milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (OH).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Privacy

Complaint: I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with Windham Professionals, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Automated recording left as voicemail. The company is calling me as the brother-in-law of someone supposedly owing a debt. They are calling repeatedly and leaving an automated voice mail which asks me to call to have my number removed. 

" Hello. This message is for XXXX. If this is the wrong number, please call XXXX to have it removed. If you are not XXXX, please disconnect immediately. XXXX, you should listen to this message in private as it contains private information. I 'll pause so you can do so. This is XXXX XXXX from WIndham Professional Incorporated a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX. 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 non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with U.S. BANCORP (GA).
Issue: Transaction issue

Complaint: I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage of me.

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 10-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My federal student loans are held by FedLoanServicing ( FLS ). Until recently they were on an in-school deferment. In XXXX I received notice that they were now in repayment ( this was for XXXX of my XXXX loans ; a notice for the other XXXX was not provided until XXXX ). However, I was not given any notice that the accrued interest would capitalize or an opportunity to repay it before that occurred -- instead the statements simply showed the principal as having increased. I emailed FLS on XXXX XXXX about this and did not receive any response. This morning, XXXX XXXX, I contacted them by phone to follow up. I spoke to four different representatives and learned the following. FLS received notice from the national student loan clearinghouse on XXXX XXXX, 2016 that my enrollment at XXXX XXXX ended in XXXX. On that date they immediately, retroactively granted a " late student loan notification forbearance '' back to XXXX, ended that forbearance as of that same day ( XXXX XXXX ), put me into repayment, and immediately capitalized all the accrued interest as of that day ( XXXX XXXX ). This all occurred without any notice to me of the accrued interest and without giving me any opportunity to repay it before capitalization. The last customer service representative with whom I spoke, a supervisor, agree with me that this process was not correct. But he said he had no power to change it, and that I would have to wait while a " review '' went through the system, which would take 7-10 business days. Unfortunately, I have no confidence that this review will occur, that I will get notice of its outcome if it does occur, or that it will remedy the situation -- given that FLS has failed to notify me of critical student loan information in the past, that I received no response from my email, and that I was initially left on hold for 25 minutes by the first representative I spoke with today ( apparently hoping that I would hang up ). I am happy to supply the ID numbers of each person I spoke with at FLS if this is useful to the inquiry. Many thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CU Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX agreed to a settlement through their agent XXXX XXXX of CU Recovery on a collection account. I have paid as agreed upon but they continue to report a balance and have even flagged the account as a new XXXX, further damaging my credit and creating hardships for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Quick Click Loans, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (KY).
Issue: Account opening, closing, or management

Complaint: Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name. 
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service. 
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent. 

I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant. 
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored. 
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them. 

Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.

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 02/17/2018 about Debt collection (I do not know) with LENDING CLUB CORP (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have never taken out a loan with this company an where did they get my information from an where did you send this money to

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an additional name on my report from Transunion that isn't me.

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 04/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX ( XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In  XXXX     2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of  XXXX . I have never been late in the 2 years I have had these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

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 02/24/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (KS).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with V and H Portfolio (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Experian Credit Report today using their XXXX XXXX XXXX. It took Experian a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax encountered a data security breach with millions of users personal information being leaked. These users ' social security numbers, names, address, and driver license numbers are now easily accessible by hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX 2017 I spoke with Navient and was told that my student loans were in good standing until XXXX 2017. In XXXX I was offered a job, when they pulled my credit XXXXport, it showed 3 of my student loans were in default. When I called Navient I was told my loans were not in default and were in good standing. They refused to send me a letter. The job offer was withdrawn and I lost a job paying me {$87000.00} per year plus bonuses and incentive. On XXXX XXXX, I received a letter that my taxes were going to be intercepted to pay student loan in default. I am told over the phone my student loans are in good standing until XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (SC).
Issue: Account opening, closing, or management

Complaint: I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled!

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 08-12-2015 about Debt collection (I do not know) with SCV Inc. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Tier One continually calls my mother 's phone number with a pre-recorded message directed at my ex-husband of 25 years. I 've spoken with several associates of this company in the past and explained we have no information/contact with him since the divorce and demanded they remove her number. They assured me each time her number would be removed from the call list. This has been going on for the better part of a year. 

Just this evening, we got another call at XXXX hours again from a caller I.D . of XXXX, WV and a phone number XXXX XXXX XXXX XXXX. Knowing who it was, I punched ZERO for the operator as soon as the pre-recorded message ( with my ex-husband 's name ) launched at which time a XXXX XXXX picked up the line and I went through my script all over again. He assured me XXXX as others have done in the past ) he would remove my mom 's number from the list. I let him know I was taking names, notes and logging calls and was prepared to file a formal complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation