milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Checking or savings account (Savings account) with IBERIABANK (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.

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 01-09-2018 about Debt collection (I do not know) with Receivables Management Partners, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX I have no idea what this is. I was not in Indiana in 2015

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX credit report shows revolving credit account open with a balance in my name that is not mine.

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 07-03-2017 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I purchased a certificate of  Deposit  from   XXXX    XXXX   XXXX  and  XXXX  in   XXXX  . The  XXXX  &  XXXX  was purchased by  XXXX   XXXX   XXXX   XXXX   XXXX  which was purchased by  Capitol One. Capitol One ha s refused to help me cash in my CD. I searched state of MD and VA for abandoned property finding nothing. These funds are insured by the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Billing disputes

Complaint: I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was assigned to Green Tree and they changed their name to Ditech. Since taking over my loan they state that I am late with my payments. Now they say I have not made payments. This loan is paid from my bank 's bill pay every month on time. I have proof from my bank. Ditech 's own statements they send me, even shows when I paid them, yet I am supposedly in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by Synchrony Bank then was transferred to XXXX XXXX XXXX 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 explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXXaccount by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days  late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. 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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested a copy of my credit report after being denied credit and called the automated service to request the copy of the report that I am entitled to because I was denied. At the end of the call with Equifax I opted to purchase my credit score for {$7.00} by credit card. The amount was deducted from my checking account on XXXX XXXX/XXXX/16 and is notated by " Equifax Credit Report/ XXXX ''. 
After not receiving anything in the mail, I contacted them in early XXXX by phone to inquire about my report and score. On XXXX XXXX I received an envelope postmarked " XXXX XXXX ''. Inside was my credit report dated XXXX XXXX. 
I still have not received my credit score that I paid XXXX for and when I contacted them today XX/XX/XXXX16 I was told my credit score was mailed on XX/XX/XXXX16. ( the same day XXXX was deducted from my checking account ). The representative said that her supervisor regretted I did not get it but there was nothing further that could be done. 
I would like them to mail me, email me. text me my credit score that I paid for or refund my XXXX, I think this business is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! 
I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: Discovery card, reported on their system history of late payment to XXXX. When I called and questions due to always paying on time, and sometime making several payments in the same month. They stated that based on their system, every payment gets added to the same month not to forward amounts. Which we understand, but do not understand why they they will say we are late .... They say this is something in their system, but not in the credit bearues. My concern is, through their systems, is creating false information of our credit or payment history with them. Because we are paying on time and have done so. So I do not find it fair or correct, if I have never paid late ... Why it should reflect in their system as such ... 
which this action caused my credit to decrease during a home purchase ... Which disqualified me from being able to purchase the property ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.

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 07-05-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: My bank Wells Fargo did not allow a stop payment on an ACH withdrawal after I had requested that the payment be stopped. I was then logged with another {$35.00} overdraft fee after I could not cover the cost of the ACH withdrawal. I could n't afford gas or everyday necessities like food because the little money I had in my account was taken out.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX 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 explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX is reporting my auto loan that was never late and paid off in full as " inc in bankruptcy '' to Trans Union. This account was NEVER included in the bk that was discharged in 2006. I re-affirmed my vehicle choosing NOT to include in the bk.

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 01/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX XXXX about this inquire on XX/XX/17 several times with zero response. This is a fraudulent inquire. I did not make this inquire, nor would I ever have inquired about anything involving XXXX 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