milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help 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 explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was offered to get an interest charge credit back to me for {$100.00} and {$19.00} for the XXXX XXXX statement for 2017. I have gone over this with various folks that this was offered to me for a courtesy as promos were not applied properly at checkout times. This was confirmed by a rep for the credit card and now they send me multiple messages stating the below answer. 
( Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you. 

We have completed our investigation of your inquiry and have provided you with the resolution. Unless you have additional information, we have no choice but to consider this issue resolved. If you do have new information that may assist in our review, please call us at XXXX or send any additional documentation to the address listed on your billing statement. 

We appreciate you as a valued Walmart customer and hope you will continue to shop with us. 
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. )

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 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have mixed files on my credit report. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Legal Item 4 ) Bankruptcy

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   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 08/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Billing statement

Complaint: Although Capital One states that they sent statements to me in XXXX 2016 and XXXX 2016. I never received these statements. I have been issued a 30 and 60 day late payment notification against my credit report which has negatively impacted my credit score ( I was notified by my lender while trying to refinance my home ). The late payments are for a minimum payment ( in XXXX ) and then a minimum payment with a late fee and interest. Essentially a {$67.00} past due in XXXX and {$120.00} ( XXXX past due plus late payment plus interest ) charge in XXXX. Over the course of 10 years with this card, I have always pay this card in full. The issue with the Capital One program is, if a user has a {$0.00} ( XXXX ) balance, a statement is NEVER sent out by Capital One. Essentially, a monthly statement is NOT sent out to me each month. I use this card on rare occasions so a monthly statement is n't something that I expect to see. When I received a statement in XXXX of 2016, like other months and statements, I paid the balance in full. I have spoken to Capital One to try and resolve this miscommunication, however, they have told me to, " Take it up with the credit bureaus because they sent statements and we do n't believe in reversing or removing anything that we have already submitted. And although we completely understand how this has hurt your credit, we do n't have any type of grace program that allows us to remove any late payment notifications. You can write a letter our Credit Bureau department if you still disagree with us. '' Yesterday, I noticed one of the bureaus removed the negative merit from my record. After talking to the XXXX of the credit bureaus, they advised me to contact Capital One to try understand why the negative merit was removed from one of the bureaus records, but remained on the other XXXX. Again, I was told by Capital One, " We have nothing to do with that. If you have an issue, please write a letter to our Credit Bureau department. '' I have now been trying to resolve this issue for over 3 weeks and have spent more hours than I can keep track of. Capital One 's unwillingness to work with their customers to resolve a simple miscommunication shows me that their policies and procedures are skewed to ensure they protect themselves and hurt their customers. In all my years of owning my own company and working with creditors and lenders, I have never felt so disrespected or bullied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with Aargon Agency, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company reporting negative accounts that are not verified and 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 explanation
Consumer complaint received 01-06-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied from a lender for " too many inquires '' on my on my Tranunion report. I know how important my credit worthiness is I immediately went to check all my reports to figure this situation out. I contact Transunion immediately about the wrong information. I constant go no help from anybody. Very disappointing. I have had a fraud alert placed on my account now for the past two years. To prevent any issue like this in the future. They have fell me as an citizen. Since, they could n't help me investigated on my own about this inquires that are below. I have NEVER authorized verbally, physically, even mentally for them to access my information. They have no indication of me providing my identification, blood, sweat or tears to their company.       XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   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 03-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with Automotive Credit Corporation (IN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: ON XXXX XXXX I NEVER BEEN LATE FOR A CAR LOAN I OWED TICKETS TO THE CITY OF XXXX THE FINANCE COMPANY TOOK THE CAR I WAS WILLING TO PAY THE FINANCE COMPANY FOR BOOT AND TOW FEES BUT THEY PUT REPO CHARGES ON THE CAR HOW IS THAT I DONT OWE THE FINANCE COMPANY SO I AGREE WITH AUTOMOTIVE CREDIT COPORATION TO GIVE THE MONEY TO THEM XXXX XXXX AND THEY AGREE THEY WONT REPORTED TO THE CREDIT BUREAU THEY BROKE THE AGGREMENT WITH ME MY CREDIT ALREADY DEEM SO ONLY THING IM WILLING TO PAY IS BOOT FEES NOT NO REPOSSESSION BECAUSE IM NOT LATE ON CARNOTE I TRIED SEVERAL TIMES WITH THEM XXXX XXXX THE MANAGER HAS REPEATLY GIVEN ME PROBLEMS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point.

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 02/23/2017 about Debt collection (Medical) with REGIONAL MANAGEMENT CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent PRA a letter asking them to verify a debt, claimed to be owed to them, by sending me ( a ) the original contract and ( b ) a complete set of financial statements. In return, PRA sent me a financial statement for one month and did n't send the original contract. Furthermore, according to PRA 's records, the credit card account was opened in XXXX XXXX, yet PRA was only able to provide me a statement for XXXX XXXX. Thus, despite not having proof of contract or a complete set of financial statements, to show how the amount claimed to be owed was calculated, PRA is still reporting this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this

Company response to consumer: Closed with monetary relief