milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Credit card () with DISCOVER BANK (SD).
Issue: Advertising and marketing

Complaint: I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 
1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers

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 03/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Charged fees or interest you didn't expect

Complaint: I would Like to File a complaint On behave of Wells Fargo bank. I called the Bank to asked for a One time late payment fee forgivness. I was Told By the Rep That she couldn't do it since My Payment was due on the XX/XX/XXXX Of the Month and today is the XX/XX/XXXX. Poor Banking wells fargo I been a Customer at Your Bank for exactly 10 Years. If you are that Hard up for {$27.00} late Fee bless You and Your bank. From your past Experience of opening up Fradulent accounts in fake people Name Your bank is No Good! I will ask your business to Please remove the the late payment Fee as a 1 time courtesty and I will Give you 30 Days to DO IT if you fail to do so watch How QUICK I WILL CLOSE EVERY ACCOUNT IN MY NAME WITH YOUR COMPANY! I deal with alot of Banks and I have never in my life seen one quite as dirty as Yours to a customer of 10 years very sad WELLS FARGO

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 01-04-2018 about Credit card or prepaid card (Payroll card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: On XX/XX/XXXXXXXX, I attempted to make a withdrawal from my payroll card and discovered that my entire pay had been withdrawn. I called the number on the back of the card, which was issued by Bank of America, and was advised that the money had been withdrawn in XXXX County, Florida that morning. I filed a dispute by telephone and was given instructions to send written documentation. 
On XX/XX/XXXX, I received a letter from Bank of America stating that they had determined that there was no fraud and they had closed their investigation due to " inconsistent, conflicting information ''. This was before they could possibly have received the documentation that they requested. 
I received a new payroll card and did receive my next payroll, but did not receive any of my money that was due to me on XX/XX/XXXX. 
On XX/XX/XXXX, I faxed an appeal letter to Bank of America with all documentation proving that I had not been out of the State of Texas in XX/XX/XXXX. In fact, I had been at work for XXXX, XXXX, working on the Toll XXXX extension in XXXX County, Texas. My card had been in my possession the entire time. 
In fact, it would have been impossible for anyone to have used my card to withdraw my pay in XXXX County, Florida and be back in Texas when I used my card at the ATM in XXXX, Texas. Bank of America is well aware of this fact, and it is my opinion that they closed the fraud investigation without any investigation at all. 
I have called repeatedly to inquire about the status of the appeal and have been told that they have 90 days to investigate it, and that they will not credit me for the amount while they investigate. This has created a hardship for me, losing my entire paycheck to fraud and I have no way to prevent it happening again.

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 06/16/2015 about Payday loan () with Solidus Group LLC. (FL).
Issue: Can't stop charges to bank account

Complaint: I am receiving calls from fake process server named XXXX XXXX saying he will come to my place of employment to serve me. He gave me the phone number of the " client '' to contact. I called the number XXXX and spoke to XXXX XXXX. She began by stating I had committed fraud maliciously and I was going to be prosecuted for a payday loan that involved XXXX XXXX checking account in Florida. When I asked her if she was a debt collector, she replied " yes ''. I asked her why she did n't read me the XXXX warning as is required by the FDCPA. She then began to read the XXXX warning. I told her that she was violating federal collection debt practices law by having someone call to threaten me with serving a warrant and by not identifying herself as a debt collector. Then she began to yell at me that I was a criminal and I was going to be arrested for stealing money. I hung up and XXXX minutes later she called me back to tell me that she was n't afraid and I was going to be sued and then she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Non-federal student loan) with GC Services Limited Partnership (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Contacted by GC Services today about an old student loan which I am paying thru a different company that I am paying for this debt. The collector from GC Services said that it was from XXXX XX/XX/XXXX. This is the debt that I am paying through a different compay. 
GC Services can not produce promissory notes or any original documentation to verify this loan. They also took a chunk of my income tax return in XX/XX/XXXX. 
I need some help with this one please.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: To Whom It May Concern : I have been working for the XXXX since XX/XX/XXXX and have been making payments since XX/XX/XXXX. My loans are from XX/XX/XXXX and XX/XX/XXXX. I 've paid at least {$60000.00} on {$61000.00} original principal of my loans. According to my Account Summary, I owe another {$60000.00}. I am currently on the Level/Extended Repayment Plan. 

I have two complaints : 1 ) How can I owe double my original principal ( {$120000.00} vice {$60000.00} )? 

2 ) At no point, did Navient assist or inform me that I would be eligible for Public Service Loan Forgiveness if I was an a qualified income-based repayment plan. Since I am on a Level plan, I apparently have missed out on this eligibility. 

As a result of these two complaints, I have been harmed as a consumer. 

I will be submitting this complaint to Navient and to the Department of Education. 

Please advise accordingly. 

Best regards, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit card () with DISCOVER BANK (DE).
Issue: APR or interest rate

Complaint: I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bank of New York for mortgage assistance and have been getting the run around. I have been supplying all the documents they request and once I supply those documents they keep asking for more and more and more. My single point of contact XXXX XXXX has been on vacation since the XXXX of XXXX and not returning until the XXXX of XXXX and when I leave messages for her manager I never get any returned calls. No one is properly reviewing my file nor concerned about my upcoming foreclosure in 2 days. I feel I have no one to talk to regarding my case and am being transferred around the loop and not being review properly nor fairly.

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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.

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 08-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit

Company response to consumer: Closed with explanation