milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.

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 11-10-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian credit reporting agency is reporting a tax lien that does not exist. The county they are saying filed it is XXXX County Oklahoma. They are reporting {$52000.00} from XXXX County Clerk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ok XXXX phone number is XXXX ( XXXX ). No such tax lien is existing. I have had no luck getting Experian to remove this. They are also reporting a lien that was paid in XXXX County as unpaid when it is paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equiafax- dispute- X/XX/17 : I have observed that since my disputes to Equifax starting X/2017, this company has placed a FRAUD ALERT on my file even though I sent in a certified letter requesting it be removed from my credit profile. After this time, I was unable to view my credit report weekly through XXXX XXXX. Also, I was unable to find view my Equifax credit report on XXXX website that I subscribe monthly. Both XXXX XXXX and XXXX have told me that the Equifax report is not available and it is through no wrong doing on their part. Through XXXX XXXX I have not been able to access a current Equifax report since X/2017. I have not been able to access the EQUIFAX report through my XXXX subscription since X/XX/2017. I have since tried to go online to equifax.com and check the status of disputes that were done in XX/XX/XXXX- the website tells me that the website is down. I am unable to access my dispute results- which have not been mailed. I am also unable to file any more disputes because it states, the website is temporarily unavailable. This is what I have been told for the past 2 months. Out of curiosity- I had my husband to access his report through the same EQUIFAX website after I was told it was down and he was allowed to view his report and access dispute results from past disputes. it is clear that EQUIFAX has put some kind of freeze or block on my credit profile which has prohibited me from accessing and disputing errors on my report. I have been told that they are doing this type of unethical act to alot of consumers who have been trying to correct inaccurate information on their reports. I have kept careful records of their behavior and will not tolerate or accept this type of harassment from them. Please govern yourselves accordingly because I will not hesitate to contact a consumer attorney due to your willful and wanton negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.

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 01/30/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan provider is Navient. All this mess started in the spring of 2015. I tried to call Navient to get my monthly payments moved down from {$680.00} to something more reasonable. To my surprise I was told by a employee at Navient that " I know it does n't make sense but you have to pay that amount and we can not do anything else. '' I then wrote the CFPB and magically the payments dropped to {$370.00}. I was fine with this and made the payment. Here is where the frustration and stress came back. Not one month later it jumped to {$460.00}. Still not as bad but not what I was told. I emailed my " contact '' at Navient XXXX XXXX. I stated to him the payment was not right and on XXXX/XXXX/2015 he said he made the needed corrections and my payment would only be {$420.00}. Still not want I needed but I took it for then. Since then my payment has steadily gone up month over month to where the last payment was {$470.00}. I do not know what to do and have already started the process of getting a lawyer as I can not make this astronomical payments in the hopes of help, then when I look at how much is going to the principal is only {$110.00} one month and {$17.00} the next. Out of {$470.00} only {$17.00} goes toward my principal??? I do not know to do and I have already tried to resolve the issue. I do not have a problem paying back loans but this is ridiculous and is causing unneeded XXXX and XXXX thinking about how I am never getting out of this debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: After pulling a copy of my credit report i noticed that there are a few items that i do not agree with. Equifax is saying that the following items in question meets FCRA requirements but failed to comply. I notice there are a few inaccurate things listed on my credit report as i like my report to show nothing but current information and not outdated inaccurate information and this is how i notice several items and requested removal. 
1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3 . XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX, MO XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 6.XXXX XXXX XXXX XXXX XXXX, MO XXXX 7.XXXX XXXX   8. XXXX XXXX  9. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Payday loan) with Enova International, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Prepaid card (Government benefit payment card) with Blackhawk Network Holdings Inc. (OK).
Issue: Managing, opening, or closing account

Complaint: My tax refund was sent to Paypower on XX/XX/2015. I am unable to access my funds, despite almost 2 weeks of trying. I have provided them with all the necessary information for verification but their mysterious higher department has failed to give me access to my Federal Tax Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (OH).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX. I purchased a car through XXXX, which is now Bridgecrest. I had no issues making my payments. In XXXX of XXXX. The car basically began to fall apart, XXXX issue after another, the alternator, the alternator electrical harness, the exhaust system, XXXX new tires, a transmission pump and an oil leak thus to date. I was contacted by Bridgecrest when I feel behind due to having paid over {$3000.00} in repairs just to keep this car on the road. Now mind you it is a XXXX XXXX XXXX and I am told I still owe XXXX after making two years of payments. I was invited to do a loan modification or basically add my payments on the end of my loan keep current. I signed up for that program, but the money never left my account. I filed a report with the XXXX and was contacted by a named named XXXX XXXX who stated he was with Bridgecrest customer service. He began by saying I have looked at your account and there is nothing I can do to help you, He was very condescending and just basically rude and pretty much I got the impression, I was somebody who was wasting his time. I finally said is there someone else I can speak with, and he yelled at me No, there is not, I am a supervisor and no one can help you!!! I called back after we hung up and got another person, I had her look at the notes and I inquired if there was someone I could speak with and if in fact XXXX XXXX was a supervisor, she replied I am sorry he is not. I said can you please pull the call record and I would like someone to help me. She advised that she would have a supervisor call me back immediately, which has never happened. All, I wanted, was them to make good on my modification to get my payments on track. Instead of wanting to help me or to even treat me like a human being. I was lied to and talked down to.

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 02/22/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: Without notice or explanation, Citi changed my account credentials and refuses to permit me to login to its website. Multiple requests for access have been ignored. I speculate that access was restricted in order to prevent me from paying the account online. Citi 's website purports to reestablish access only if I enter the full account number. This number is unknown as I previously reported by card lost or stolen and requested a new card. A request that Citi has also ignored.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: TODAY I ATTEMPTED TO GET A COPY OF MY FREE ANNUAL CREDIT REPORT FROM TRANSUNION BUT I WAS NOT ABLE TO DO SO BEING THEY SAID THEY COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION I GAVE THEM.     I AM REALLY ANGRY THAT TRANSUNION REFUSED TO PROVIDE A FREE COPY OF THE ANNUAL REPORT.     I CAN NOT CALL THEM DURING THE DAY BEING I WORK AND CAN NOT HAVE THE ABILITY TO USE A TELEPHONE.

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