milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Transaction issue

Complaint: I purchased XXXX bundles of XXXX Curly hair as well as a XXXX Body Wave Lace Closure XXXX. XXXX # XXXX was placed on XXXX XXXX, 2015. My credit card has been charged in the amount of XXXX which is the cost for all XXXX items purchased. I received XXXX lovely bundles of XXXX Curly hair extensions on XXXX/XXXX/15 ; however, my XXXX Body Wave Lace Closure was not in the package. The cost of the XXXX Body Wave Lace Closure was XXXX. When I emailed the company to inquire about the missing item they advised me to reply to their email with the name used to place the order and a refund would be sent. I have yet to receive a refund and no one has emailed any updates in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Account : XXXX Contacted Wells Fargo to ask them to please stop calling the referrals and family members provided when we applied for loan, we were on the understanding that it was to verify our data. They are now calling relatives and family for my wife and myself harassing them and providing personal information on our loan. We understand that we are a month behind. When I called XXXX this morning, the rep would not provide name nor guidance to make our account current. The rep was trying to belittle me by stating that I should be embarrassed that I 'm behind with no empathy or sympathy for our family current situation. The rep would talk over me and not allow me to explain my case. 
I 'm very disappointed as this is my second request to the CFPB.

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 08-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (MI).
Issue: Billing disputes

Complaint: I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date. 
I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required. 
Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}. 
I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense. 
Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes to Experian.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called Annual Credit Report on XX/XX/2018 at XXXX to get my yearly credit report. when I received my report I looked at it then XXXX XXXX notified me that I had a Hard Inquiry on my report called 2nd factact IDid Not Request this!!!!!! I called Transunion they told me they would not remove the inquiry because it was considered a soft inquiry I said no it's not! So they will not remove the inquiry. When you XXXX  2nd factact and look at the phone number it Says TRANSUNION. I want TransUnion to REMOVE this inquiry from my credit.

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 11/17/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice of escrow shortage in the amount of {$140.00} effective XXXX/XXXX/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my XXXX payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my XXXX payment clears and call back to verify the new shortage amount as it would be reduced to {$130.00} after my XXXX payment clears. 

I did as told, and I was told that The CSR was wrong and that I still needed to pay the original {$140.00} and that I could not pay just an escrow payment on. Meanwhile I am looking at the website and am able to submit just an online payment for escrow without making a mortgage payment. 

I also question the business ethics of allowing the standard 15 day grace period, but charging a service fee if you make a payment online after day XXXX of the grace period. 

Combine that with the fact that I have issues every single time I have to contact this company, and it always seems that I get different answers from everyone that I speak to, that I would love to request that they sell my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company is reporting late payments on XXXX student loans and they are in deferment

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint: Trying to put a Fraud alert on account with Experian. I called last week, held on forever never did get to talk with anyone. Called this morning got an offer for 100 dollar certificate, could not get past that advertisement. Called # 2 this morning Go through I think it was 4 offer of free junk. NOTHING IS FREE NOT EVEN FREEDOM ITSELF. ( 100 % DAV ) Someone answered asking about another 100 dollar certif. I kept telling them not interested. Plus they said that certif. would be a little charge. My response not interested the lady did take my name -- what for I do not know.. Told her I wanted to put a fraud alert. This just happened to be experian. Tried third time answered questions to the computer about more advertisement Put on hold hung up or cut off. Who know what world those computers live in. I saw a story the other day complain to their supervisor, can not seem to get the head honcho computer. I need to also place a freeze on all the credit companies. HA every ones info. will be on the market before anyone can get through. Thank you people for caring, and your service to the American people, even the NFL. Thanks -- 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 non-monetary relief
Consumer complaint received 03/20/2017 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Billing disputes

Complaint: I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I was ripped off owing more than the car was worth. I purchased a XXXX XXXX XXXX in which I was charged XXXX for the car financed through Chrysler capital. I was tricked when I signed everything I was told to come back in and resign another copy not showing that I was charged XXXX until after I got the receipt and notice later what they had did. This happened XXXX XXXX XXXX had went bankrupt I would have sent it back but I was promised I can get refinance with a better interest in much lower payments from the redemption center but was turned down because of the high equity.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX people lost their personal and sensitive information. Experian should be closed forever.

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 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX I requested my XXXX free credit reports from this website and I was not able to get a report from Transunion. I was able to get XXXX and XXXX but not XXXX. After 2 days of calling I still am not able to access my Transunion report, the agency will not provide a digital copy and I have an already existing issue of mail fraud at my residence. It has been 5 days and I am still not able to access my credit report and after several phone calls the customer service is unable to do anything. Effectively I am locked out of my Transunion credit report, unable to correct errors, which there has been on my other XXXX reports, or access my report by any other means other than regular mail. If mail is the only means of getting my report then there will not be any ways to correct the report, which is n't verifiable. I want to access my report online just like I did for the other ones. I have called XXXX different times and spoke to multiple reps that bounce me around and do not help or hang up.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.

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 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an apartment back in 2013, after that I had XXXX more apartments and after attempting to move, my new apt . complex stated that I had a previous debt. I did not know about this debt and I contacted the apt . complex I had in 2013, that same day I paid my debt with them since the leasing office stated that I needed to pay them. Then my new apt . complex proceeded to tell me that I needed to pay National Credit Systems, so I called and I faxed the invoice that my old apt complex gave me. NCS stated that it would take 3 business days to process and send me the letter stating that I paid. I call and call to verify about the fax and they never answer, on the meantime I cant move in to my new apartment because they need the letter from them. I left a voicemail and I have n't gotten any reply, they never contacted me about this debt before and it suddenly came up.

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