milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility.

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 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient has not responded to a request for forbearance that they said I was eligible for. I told them I have no phone access during the week or until after XXXX p.m. on Fridays, due to XXXX rules. I sent in the required paperwork. I 'm sending it again, along with the required {$150.00} " good faith '' payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am submitting a complaint against Navient who gave my son student loans without my approval. Now it turns out that they put me as a co-signer of which I never had agreed to nor have signed for. I requested a copy of the original loan contracts and found that they have typed in my name even thought the contract clearly states that one should read the contract before signing it. I see no where that I have signed it and I will never agreed to it. I am requesting help on getting these loans off my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: In XXXX & XXXX of 2016, BB & T Bank was running a promotion to open a checking account and get {$150.00} bonus. Additional requirements were : establish a direct deposit of {$500.00} per cycle & make 3 bill payments. I followed these requirements. 5 months later and still no sign of bonus. Phone call to customer service ( XXXX ) ended up with them advising me to talk to my local banker as it was a " regional promotion ''. Talking to local banker stalled since the banker had to the same toll-free number and they told her that the account was opened with no promo code ( back in XXXX I clicked on " Open Account '' button. There was no field to enter any promo code ). My impression is that the bank is avoiding following their own promotions in order to not pay the bonus.

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 11/30/2016 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (TX).
Issue: Overdraft, savings or rewards features

Complaint: I opened up a secure credit card after my recent divorce.I did n't realize at the time it had a monthly rewards fee. I was able to get other credit cards that were not secure and decided to close the account. This account was attached to my business account and my office admin contacted Wells Fargo twice to have it closed. The third time I called myself. It finally closes, except by the time they do close it ( XXXX more months later ) ... and only after I got into a shouting match with the guy from Wells Fargo who did n't seem to understand that the card was secure and we did n't owe any money, and if acter were owed a little over {$50.00}. My office is receiving XXXX3 calls a day about 3 times a week. Then we received a letter today advising that due to our handling of the account they were closing and that we owed XXXX in late fees. An hour or so after getting this in the mail, Wells Fargo called ... and my office admin again got no relief and ended up in a verbal dispute with the debt collector. I am very upset with the tactics, the extra fees, and the refusal to do what was asked ... as well as the fact that Wells Fargo does not offer an option to close directly from the online banking portal. 

In addition, I was charged a {$39.00} late fee on XXXX/XXXX/2016 despite a payment being made on the XXXX which is shown on the statement. The reason that I closed the account on the date that I did was because I did n't want the XXXX charged to my account again and I could not locate contact info for the company. It was supposed to be an one time online purchase.

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 01-09-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: PREVIOUSLY DISPUTED THIS INFORMATION WITH THE CREDIT BUREAU. THE BUREAU REMOVED THE INFORMATION AND REINSERTED THE INFORMATION WITH OUT GIVING ME ANY NOTICE OF THE INFORMATION BEING REINSERTED TO MY CREDIT REPORT. INFORMATION IS AS FOLLOWS : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX SOCIAL SECURITY NUMBER *********** *********** *********** *********** I HAVE SENT IN A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD AS PROOF OF MY IDENTITY SEVERAL TIMES. I AM NOT ASKING FOR A REINVESTIGATION I AM ASKING THAT THE CREDIT BUREAU FOLLOW THE LAW AND REMOVE THIS INFORMATION FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have a private student loan with this company. I have called them asking for my monthly payment to be lowered because I can not afford the payments in addition to my other bills. The rep took all of my expenses and came back and told me I can not get my payment lowered because I recently got a new car and I have credit cards with available money to use and balances on my credit cards which is incorrect because my credit report is not updated. I am trying to make my payments so I do not XXXX my credit and they are not willing to help. I did not knowing buying a car to get to work and to get my child to school would mean I can not lower my student loan bill. I am living paycheck to paycheck and have to not buy food sometimes so I can make my payments and this company is OK with that as long as they receive their payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (WV).
Issue: Credit line increase/decrease

Complaint: I have had a XXXX Credit Card issued by Barclays Bank for years. I travel frequently as my work requires. I get paid at the completion of a project which can be many months so my credit utilization goes up and down. I have never missed a payment. Barclays recently reduced my credit line by {$4100.00} without any notice what so ever citing my credit utilization as the reason. This left me with about {$200.00} in credit available and a disastrously tumbling credit score due to now even higher credit utilization. I see from other consumer complaints that this is not an unusual practice for Barclays. Due to the impact on consumers credit scores this practice of bait and switch ( here 's a great credit limit for you but we will take it away if you actually use it ) should be somehow regulated.

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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! 
I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

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 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from TransUnion, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX - Prosper I have attached the police report that I filed with 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 04/16/2018 about Checking or savings account (Checking account) with NETSPEND CORPORATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: So I have worked seasonal at XXXX last XX/XX/XXXX. I've worked there seasonal employment for past three years. And this year was first time I had any issue with payments to XXXX XXXX and Netspend. I noticed my paycheck was added to the card every payday but that i didn't increase balance in which I knew the issue needed to be addressed. I found this out in XX/XX/XXXX but like everyone else attached to this lawsuit I began to question my own issues the morals ingrained in your mind. So I requested a copy of my statement from XX/XX/XXXX to XX/XX/XXXX but I never got one. I kept getting the run around with bogus reason to justify their denial. And so I just felt nothing was fairly represented and to just help in considering certain issues. Without deceiptive business practices and obtaining a certain level of trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived anywhere outside of New York State nor have i ever worked or used any address outside of New York State. Recently i had an issue with Identity theft and i had the the issues resolved but the address of some of those fraud accounts is still present.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am having major problems with receiving incorrect information from the service provider who is now Navient. They have repeatedly given me wrong information over the phone. I was told that I could do a XXXX payment that would take care of the loan for 3 months. They have consistently given me misinformation that is costing me my credit and higher interest rates along with putting me into default. They took my payment and changed their story saying I did not qualify even though they debited my checking account. This is causing me to default which I believe is intentional to drive up my rates. I was dealing with a lady named XXXX who has given me a vary hard time. I was hung up on. I am hoping to obtain an attorney. I am very upset, this is putting me into default and is appears to be intentional at this point. They have repeatedly also given me misinformation in regard to their credit reporting as well. I need help and hope to obtain an attorney for this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The XXXX XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX , TransUnion , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I
moved from XXXX to XXXX, MO. On that move the mover damaged antiques and furniture. I asked Discover credit cards to dispute the charge and of course they denied my request. I recently bought furniture and it up my credit that I owed. Not out of line at all. I made my displeasure with their determination known and I did NOT AGREE with the outcome.
I checked my credit score and because they said I agreed with the dispute XXXX XXXX and XXXX  lowered my score. The lied to XXXX credit bureaus about my feelings on their determination and that if not illegal, certainly should be.
I want Discover to change their lies on my credit report immediately. I sent Discover an email about my dispute and displeasure with their decision and they lied about my feelings on this because simply, they wanted the money and sided with a corrupt furniture mover who has damaged antiques and furniture for many people. So as I see they are as corrupt as the movers. I WANT THE TRUTH ON MY CREDIT REPORT IMMEDIATELY.
I AM SICK OF THESE CORRUPT COMPANIES GETTING AWAY WITH RUINING PEOPLES CREDIT BECAUSE THEY CAN. AND I WILL GET MY ATTORNEY INVOLVED BECAUSE THIS IS A BOLD FACE LIE ON MY CREDIT REPORT. I WANT IT RESOLVED TO THE TRUTH, IF THAT EVEN MATTERS ANYMORE IN THIS COUNTRY AND FROM THE LOOKS OF OUR PRESIDENT, MY GUESS IS ITS A NEW LOW IN OUR COUNTRY. AND APPARENTLY YOUR IN BED WITH THEM AS WELL AS I HAVE NOT SEEN YOU HELP ONE INDIVIDUAL.

Company response to consumer: Closed with explanation