milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Closing/Cancelling account

Complaint: I fell behind on my credit card obligation and when I was able to catch up, I initiated contact on or about with the Walmart Credit Card department. I was able to pay the entire late payment and bring the account current with the agreement of the agent that the account would remain open and current. I also agreed to initiate direct payments to keep the account paid as required. After the agent took my bank account information and set up the payments, all parties were stratified. However what actually happen was, they closed my account and charged it off and the money that was for payment was never applied towards the account and remains unaccounted for. I have a bank statement proving the payment was made. The charge-off was never disclosed to me and what was reported to the CRAs are false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (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: I filed a dispute with XXXX about account number XXXX reported by the National credit system, inc.in a amount of XXXX. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with U.S. BANCORP (GA).
Issue: Rewards

Complaint: I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Our school closed while I was enrolled and was unable to complete my program because of the closure. I sent XXXX / Navient a completed school closure form to get the loan discharged. I did not receive a written response from the debt collector and only upon collections did they state the school did not close and the dept was not discharged. Here is the info from the Dept of Education Closed School Report : The school was closed officially XX/XX/XXXX OPEID # XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX CALIFORNIA - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. I was notified that classes were no longer available in XXXX on XX/XX/XXXX. Once the school made the announcement, I was never sent a Teach Out notice or letter via mail or e-mail, or any correspondence. I contacted them in XXXX and they said they are working on a program but I was never contacted again. I am nine units short of my degree. If I transfer to any other program, the minimum residency requirements are generally 30 units. I owe nearly {$30000.00} for a closed program without a degree that should have been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a couple of inquiries on the same day in XXXX. They were for XXXX XXXX, XXXX. The company for XXXX is call XXXXXXXX XXXX XXXXXXXX. I have never spoken to anyone at XXXX 's that would require a credit check. I have never shopped at XXXX XXXX period. 

The other is for XXXX. It says XXXX XXXX but cuts off. Not sure if it 's XXXX XXXX? Either way, I did not agree to anything requiring a credit check here either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Shopping for a loan or lease

Complaint: Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Late fee

Complaint: To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other service problem

Complaint: Being blocked from allowing access to my data for virtual currency purchases

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: equifaxXXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks shows charged off account ( should be closed / included in chapter XXXX ) chapter XXXX was filed on this account on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Payday loan () with FIRST HERITAGE CREDIT LLC (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I have a loan through a loan company and they have been calling my work place over and over again even after I asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Payday loan) with National Principal Group, LLC (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi Bank cliamed to close my credit card because I had done money laundering. I was told my supervisor they thought I was doing money laundering and that was reasoning for closure. Never in my life have I committed a crime and I have perfect payment history with all my cards for 6 years. I have no idea what in the world made them think I was doing such a thing. Please provide 100 % proof of your findings or reopen my account ASAP. This is discrimination and false accusations of someone who has been a perfect client with perfect history.

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 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans union has a bankruptcy on my report that is incorrect

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 03/31/2016 about Mortgage (FHA mortgage) with TIAA, FSB (TN).
Issue: Loan modification,collection,foreclosure

Complaint: When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I asked for my documenation I asked for it numerous times but nobody is responding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 
I was asked XXXX time to submit a document after the initail submission and I did the very next day. 
The XXXX date of contact was XXXX. The Bank took as long as possible dragging my credit into a bad negative rating. I was told approx. 2 weeks. My XXXX payment was due XXXX XXXX 2014 for the XXXX Modification payment. I called and called and called. They did not care. They sent me {$1000.00} for the inconvience. I ask them to correct my credit because its their fault! They have said they would listen to recordings and get back to me. I have received numerous letters informing me it will take longer. If they listen to the recordings they will see I am correct! I signed a letter stating it would affect my credit, Yes but 1 month not XXXX. The represenative working with the modification said on a recorded message 2 weeks. I want my credit report as well as my brothers ( XXXX XXXX ) whom signs on the loan with me to be leagally corrected. 
They have ignored XXXX lied about this issue over and overXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. 
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Payoff process

Complaint: CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.

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