milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with A & O Recovery Solutions, LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made an offer to a debt collector. They accepted my offer. 
I sent them a bank check by registered mail. I received the ticket that they had signed and received my payment. I went to the bank and got a photo copy of the cancelled check the debt collector had been paid by. The debt collector keeps calling me saying they have not been paid. They have been paid and I have written proof of it.

Company response to consumer: Untimely response
Consumer complaint received 02-12-2017 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Late fee

Complaint: have attempted to set up a monthly payment plan online with Barclaycard ( XXXX credit card ) and still received payment due emails. I thought I had made a mistake in XXXX, but now I know there is something faulty on their end. Today I received an email saying I had missed my payment, but I am sure I made the payment online before the due date. I can assure you that my credit is close to perfect, this company upgraded my credit line from XXXX to XXXX grand on their own, which shows that I am responsible. I tried to ask that they work with me, but in order to help me I have to have a confirmation number which I did n't think to print. I talked to XXXX in XXXX Nevada at XXXX XXXX today XXXX/XXXX/17 and was told that nothing could be done, I was simply stuck with a {$27.00} fee. He informed me that he sees a log in this month on the XXXX and he can usually see what I click on, but no payments or attempts were done. Soon after the call I payed the whole balance of {$1100.00} and made sure I took the confirmation number XXXX. This shows that I have had the money and do n't want to mess around and get stuck with extra fees. They are obviously having technical issues and think is unfair.

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 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My most recent Bank of America credit card statement reflects receiving my {$600.00} payment, and shows my balance due reduced by {$600.00}, less $ XXXX % charge. However on the recent activity page, only {$200.00} ( approximately ) was applied to my balance 's. When questioned, customer service could not answer for the other {$400.00}. At one point we were told our payment was refunded ; than they admitted they had no answer and suggested going to the local bank. The bank rep also could not answer and called his support. " Support '' said our 0 % balances reflect the balance due including a potential % charge. We knew this was untrue. Next the support rep said the amount was properly applied in the computer, but did not show on statement. ( At one point the rep said they accidently sent another statement so just ignore it ) We asked if the statement would reflect the correct balance? Answer : No. We asked if the computer shows the money applied, why would it print an incorrect statement? Answer : The computer prints what it prints and can not be changed. We are concerned there might be some embezzlement or fraud. Without audit our statements and payments have not reconciled since at least XXXX 2017, but that involves filing a separate complaint. We had this account 23 years. We know errors can be fixed but Customer Service at Bank of America is non existence for us. We spoke with 5 or 6 different people ; 2 had no answer at all while the rest gave multiple ridiculous excuses with only one common theme ... do n't worry about it, wait for next cycle. Not acceptable.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (VA).
Issue: Confusing or misleading advertising or marketing

Complaint: EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

Company response to consumer: Closed
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX the XXXX i applied for a personal loan for the amount of {$400.00} from a loan company named XXXX XXXX XXXX. At the same day, later on the evening, XXXX 's department of Bank of America called me and said that this is a fraud loan company and that they will return the money to the loan company and they will close my account. Since that day, i dont have access to my account because they close it and now i have the loan company keep calling me requesting the payments for the loan. I m trying to contact BoA but they keep transferring me to another department. I want to find out why after 3 weeks they havent send the money back to the company so they can close my loan?

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: So I have contacted transunion and XXXX  serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.

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 11/15/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: My loan agent should have processed my paperwork and put urgency on the lenders to approve all my paperwork. Throughout my Escrow process, she would not pick up her phone, return my emails, or return my text messages. When I could talk to her, she assured me everything was smooth sailing and I would get approved in time for Escrow to finish in time. However, as the day got closer and closer, I still had heard nothing and then I would receive more questions from the lenders. She told me that if I anwered these questions, it should be fine. But then several days later, I was asked repetitive questions. 

After my escrow date had already passed, I asked her once and for all if there were any questions and she referred me to her processor. 

I spoke to the processor, and he said he could prioritize and get it done quicker. I asked if I should have communicated with him directly and he told me " yes, it would have made things quicker and easier, but the loan agent told me I could only go through her. " I feel like she did n't put any urgency, and I was then forced to answer the same questions and it delayed my escrow by 20 days. I was forced to sign a per diem of {$150.00}. 

I have since asked her for a MILESTONE report. I have been waiting over 5 weeks now for it in which she claimed she requested it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

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 12-07-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Wrong amount charged or received

Complaint: western union advertise on they side real-time currency ratesthis rate much different from actual rate you receiveagent from kiosk try to blame western union about this spared and western union supervisor blame agent. on they site on the moment I send the money rate was XXXX and I receive XXXX Today on forex USD to XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (WI).
Issue: Can't contact lender

Complaint: i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: XX/XX/XXXX/XXXX : I called creditor ( Capital One ], requesting a new card ( mine is missing and also told the customer svc rep ( XXXX-sp? ) I needed to bring my account balance current. She informed me that I would need to call back after XXXX the next day ( XX/XX/XXXX ) when the payment clears and I could get a new card issued. My payment of {$450.00} ( I was only asked to pay {$130.00}, the amount past due ) cleared immediately. The payment confirmation # is XXXX. 
XX/XX/XXXX/XXXX : I called Capital One to request my replacement card and was informed that my account was restricted and I was not able to get a card. He confirmed my payment had indeed cleared but I could still not get a replacement card. He transferred me to an account Mgr who confirmed I could not get one. I would have made the minimum payment and saved the other {$300.00} for an emergency as my husband is currently on SSI. The Mgr is XXXX and his badge # is XXXX. He even put me on hold for @ 3 minutes returning to say he tried but there was nothing he could do. He said if there is ever an offer for restricted cards, I'd be notified but there is no offers at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get 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 06/15/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX changed our mobile plan 2 year plan to the Next plan without our authorizations, which caused us to be responsible for the cost of the phone should we want to upgrade or cancel our service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (DC).
Issue: Account opening, closing, or management

Complaint: I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (OH).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed a number of items on my Experian credit report ( attached ) on XXXX/XXXX/15 and to this point, they have not reponded to my inquiry,

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