milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Dob XXXX SS # XXXX Read the LETTER I SENT 10 TIMES I understand that some people can not read so I wrote it so very simple people could read remove ALL ALERTS FROM M CREDIT PROFILE!!!!!!! 

YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached Yes - YOUR STATEMENT - XXXX-EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. 
VERIFY ALL IDENTIFYING IN FORMATION

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 08/25/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my personal information including name, social security number, address, birth date, drivers license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I may be affected on their website www.equifaxsecurity2017.com. Equifax has put myself and millions of others at risk of identity theft / fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Shopping for a loan or lease

Complaint: I was considering financing through an auto dealer last XXXX, and did NOT give my consent to run my credit report - or that of my wife. They ran the report anyway which resulted in a hard pull on my credit file, causing my score to be lowered. I ended up financing through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XXXX/XXXX/XXXX I noticed that an ACH withdrawal for a higher amount than I authorized for a student loan payment posted to my checking account. I called my bank to have them reversed the ACH transaction and they said that they can not due to technical limitations of my account. The only way forward is to dispute the charge and that has an unknown amount of time before the money is returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Sale of account

Complaint: I was making payment to my account. Which I did not know was sold to XXXX. Barkley Juniper was holding money and not sending payments over to XXXX and will not refund money owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax engaged in lax security practices and, as a result, my credit information was revealed to hackers. Now I need to take highly inconvenient protective steps to safeguard my security. This is an unnecessary distraction and highly troubling, particularly as I am seeking credit now for the purchase of a primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TaxServ, LLC (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by XXXX XXXX Collections Manager TaxServ Capital Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : ( XXXX ) XXXX x XXXX # Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXXXXXXXXXX regarding auto taxes owed to the city of XXXX in XXXX. I never received an initial bill and the first information I received was in XXXX XXXX. 

XXXX XXXX provided only a statement and the only information it contained was the amount owed, interest and fees. There was no information about the billing period or a copy of the original bill. 

I requested that a copy of the original bill be provided so I could verify its accuracy and that of the collection agency. Since my vehicle was not plated for the entire year in CT, I wanted to verify the charges. Despite repeated requests, no original bill was provided. 

XXXX XXXX asked for information ( receipt of plate return, new lease, new registration etc ) that I promptly provided then followed up to make sure it was received and was complete. For the next 4 months I contacted the XXXX XXXX to determine the status of my bill. 

On XXXX XXXX, XXXX a statement was provided with revised balance, interest and collection fee. No explanation of the change in charges was provided. Again, I have no means to verify the accuracy of the charges or revised charges. Once again I asked for an explanation and further information and XXXX XXXX refused to provide this information. 

During the 4 month period when my charges were being reviewed I was charged interest on the balance owed. The time for review is excessive and the interest charges are high ( 18 % ) per annum compared to the prime rate of less than 1 %. 

The high interest charges, long delay in revising my bill and failure to provide accurate and complete information so I can understand and verify my bill are a problem. There has already been XXXX mistake in my billing and I feel it is my right to be able to verify the accuracy of any charges and fees. With the information provided this is not possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation