milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Late fee

Complaint: BP Credit Cards were issued by XXXX. XXXX has been replaced by Synchrony-offices in XXXX and XXXX, XXXX. With XXXX, we were set up to have our monthly balance automatically subtracted from our checking account. With XXXX, we received our first statement, with a late fee of {$25.00} and a interest fee of {$7.00}, on a balance of {$790.00}. Our account number is XXXX. I contacted Customer Service, XXXX times. First the fees were dropped, then I was told how to register my account, on a site, to have the balance taken out automatically-this does not work! Another call told me that I would receive a XXXX card, between XXXX XXXX and XXXX XXXX. I could then register the new card, with the XXXX digit number. My concerns are : ( 1 ) what if I had not contacted the new bank-I would have paid unnecessarily and my credit rating would drop, ( 2 ) I plan to be XXXX XX/XX/XXXX-if I do not receive the statement in a timely manner, will I again receive a late charge and interest charge? This could also damage my credit rating. ( 3 ) Is this the best way to do business? You receive late charges, with damage to your credit rating, and you do not have the tools to make the corrections. How much money is collected by banks that automatically charge fees which you can not avoid, since you do not have the correct tools to stop the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Consumer Loan (Vehicle loan) with PEOPLES FINANCIAL CORP. (GA).
Issue: Problems when you are unable to pay

Complaint: I am.behind XXXX payments currently on XXXX Acura TL, today.. I received a text but no call from a non.business number for Peoples Financial stating I had XXXX minutes to call them.or they are sending a repo.truck for the car. Needless, peoples bank.is n't even open at XXXX. I have no idea who this is, but they say they represent them. Tried calling the number, no answer and voicemail full, call branch offices ... No one is open of course. This can be resolved without this intimidation to already stressful debt. I'm.sole income for my family. No assets, no savings. Life is expensive XXXX with a little XXXX. Planned to pay Monday after resolving a hacked checking account issue which I have documents of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AP).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan home loan for my primary ( only ) home is through BB & T, and secured by XXXX XXXX, and has PMI. I have had the loan for about 6 months and have now paid more than 20 % off. I requested in writing they cancel/terminate my PMI, but they responded that I could not do so since my loan did not have 24 months of payment history ( quoting the Homeowners Protection Act, some protection eh? ). I believe they are in error and should cancel/terminate my PMI as requested. Please assist me in resolving this issue. 

Thank You XXXX http : //www.consumerfinance.govXXXX

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 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: Unable to receive my paycheck that 's been direct deposited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: I have attached letters with this complaint. 

First of all - both Experian and XXXX failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :

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 03/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. 
I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It has become apparant that the Data Breach in Equifax has caused considerable damage to XXXX of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from alXXXX XXXX reporting agencies and new social security numbers issued

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Other debt) with Novea Portfolio Management LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XXXX/XXXX/XXXX I received a call while at work from an unidentified person claiming a loan needed to be paid on that day otherwise there would be consequences beyond her control which I would be responsible for. 
While on my lunch break, I received a text stating that my roommate received a call stating that police officers were at our residence ready to arrest me for passing bad checks. I immediately called my bank and asked them to freeze the account, and also called the police department only to find out from the dispatcher that they needed the officers name and badge number in order to expedite the call. I took off from work so that I could get more information. I contacted my roommate and he stated he received a call that police were outside our house and when he called the number, he was given further details that I had passed bad checks and the police were going to arrest me. My roommate did not pretend to be me, yet he was given the information as if he were privileged to know my personal business. I received a call the next day by a person claiming to represent loanme and was also informed that she had contacted my son, my exhusband, my work, and my landlord in addition to my roommate, all of whose numbers were not released to them by me. I did n't even know my roommates number until the day before. She again threatened me that they needed an answer today otherwise they were calling the police back to my residence to arrest me. I repeatedly told her that I could not afford to pay and that I had n't even paid rent. She assured me that it was not personal, and she empathized but persisted that payment needed to be arranged otherwise I would go to jail for writing XXXX bad checks and based upon the information she had and her knowledge of the laws in the state of California that I would definitely be serving time unless I could afford a good lawyer, but I would still be in debted to the lawyers fees, court fees, and the debt as well as jail time, therefore rent would no longer be as important as securing my freedom. Under extreme duress I agreed to have the money taken out of my account, but after contemplation, if I do n't even have the money to pay, how does this free me from NOT defrauding them? Your representative 's solution appeared to bait me in to serving time in prison as well as getting into further debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 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: Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call, by telling me to hold, then placing me back to their automated system.I have left messages for supervisors to call me, to date no one has given me a call.All I 'd gotten is an automated response after emailing them, informing me that someone will contact me, no one has.They have reported my name to the credit bureau, that has caused my credit score to decline.This is quite unfair, because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times, and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges, and that I have XXXX late payment fees ; which could not be the case, because the bill is not owed for 6 months.When I ask to speak to supervisors, I 'm being transferred to regular agents who can not assist me.I need for all late fees and interest rates to be taken off my account, so that I can pay the initial balance of {$72.00}, and to have my name removed from the credit bureau.I have asked for an address to dispute these charges, and was told that they do not have any address, so I would like your assistance in how I should proceed in getting this resolved.

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 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (GA).
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: We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Problems caused by my funds being low

Complaint: This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.

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