milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. I just tried filing a dispute online with Equifax it asked me there for verification questions and they found my credit file. I wanted to get some other information from my credit report and came back and the session had timed out, so I went through the dispute process again from the beginning and asked me for new verification questions and I 've had the same problem in the past and asks me questions that have nothing to do with my credit history so I answer the appropriate answer none of the above. and keep getting the same response we can not verify your identity please fax your dispute. There is something wrong with their verification process! I am tired of having to fax the disputes in at my expense and inconvenience. 
2. My XXXX credit card is reporting on Equifax a showing a balance of approximately {$270.00}, that amount is incorrect! My wallet was stolen on XX/XX/2016 and I have reported that to all the credit bureaus. The perpetrator charged {$270.00} on this card, I did not! however, to avoid any impact on my credit score, I immediately disputed it with my credit card company and made a {$200.00} payment on The date of my attached evidence approx XX/XX/2016. The current balance is {$30.00}!! 
3. The reported date of my last payment on Equifax is incorrect! It shows XXXX XXXX I have made XXXX payments between XXXX XXXX and XXXX XXXX!! and the aqua fax report showed it was updated XXXX XXXX! The other XXXX reporting agencies are accurate! I am consistently having a problem with Equifax!! I need relief! 
4. The high credit of {$300.00} on this card is also incorrect!! 

I hereby seek the CFPB and the FTC to organize a thorough investigation into these matters. I am a XXXX veteran and I have spent hundreds of hours trying to resolve various issues with only Equifax since XX/XX/XXXX. It has exasperated me! my credit score is consistently lower and been lowered with each error that Equifax makes on reporting my credit information! I do not have the time, energy, resources due to my health condition to continue to fight for my rights. Please I humbly seek assistance beyond the complaint process. It has not worked for over 10 months in any of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: I signed up for the credit card through a promotional period where if you purchase things over {$1000.00} you get 12 months 0 % interest financing. The deal also had a 5 % credit back on all amazon purchases. I purchased a laptop for around {$13000.00} which would have built up interest that would be charged to me if I did n't pay it back by 12 months. Since the 5 % credit is nice for purchases made off Amazon, I purchased a few things and then submitted payments to cover them thinking they would be applied to the purchases I made that would have immediate interest charged. I was wrong, the payments I made were applied to the promotional balance instead, so the credit card company was then charging me interest for the purchases I made to receive the 5 % credit. 

When I noticed this I called them directly and asked a customer representative about this and to see why the payments were not being applied to the purchases that would charge me immediate interest. He said all payments go towards the promotional purchase before I can pay the immediate interest payments. I asked him if there was any option to make payments for the immediate interest and he told me no. Very upset, I go on the website and make a big payment and then browse around on it for a little while, but I noticed that their was a section showing that you can choose where to allocate the payments .... This is severely wrong, the customer representative lied to me, told me there were no other options, making me think that I would have to be paying interest until I paid off my laptop. I also feel wronged that the allocated payments were not directed towards the immediate interest payments rather than the deferred interest. 

It is tough to have time to read every single pamphlet/notice credit card companies give you and when employees lie to you about the payment policies that is very shady and the employee should be punished for such a thing. This is one of the reasons american 's are finding themselves in debt. 

On top of that their website is ridiculous and incredibly hard to log on too. They have crazy strict password restrictions, I swear it seems like they do n't want you to be on top of your finances.

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 01/17/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victim of serious Identity Theft, I was out of the country for several years, as a XXXX XXXX in a 3rd world country. I have a Issue with KOHLS department store, they open the 1st account in XXXX and I was able to get an alert and I had them to close it because I was out of the country. Kohls refuse to remove that account even with the XXXX balance. I want it removed it does not belong to me. Kohls department store then open a 2nd credit card in XXXX someone racked up {$910.00} dollars of Identity theft credit card fraud. I sent police reports once I made it back to the united states, I even got the attorney generals office involved. they refuse to take it off I been fighting to close it from XXXX when I saw the 2nd Kohls account. The Company has been very sketchy, I do n't want my credit profile to say it meets federal code or what ever they are putting on my report. this account was not open by me. I had fraud alert and no accounts should have been open without calling the phone number on file. this is against the ; law. I want this account to be removed from all credit burials and my reputation be restored. I have been treated worse than human when I call and it looks like Kohls is the place  to open fraud accounts, might be a inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.

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 04/24/2017 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine. Continued attempt to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The service representative was harsh and not listening to my questions. Attempting to collect on a debt I thought was in a grace period because I had just finished school in XXXX and it is only XXXX. Why would know one contact me prior to this? I let her know I could n't afford the XXXX a month and I needed to lower my payments. They were aggressive and unwilling to hear it. I fully intend on paying my loans just needs to be something I can afford monthly as to not overextend myself. Hate that my loans even ended up with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for t he Barclay Luxury Gold Card an d was accepted in  XXXX   of 2016. T he reason I was so intrigued into this card was because I was told that since I was an  XXXX   XXXX  military member, that I would receive the following benefits as long as I was  XXXX   XXXX  : {$990.00} annual fee to be waived, 0 % interest rate on all purchases, no late payment fees,  0 % cash advance fee and 0 % balance transfer fee. I made sure before I received the card that I would receive all of these ben efits no matter what, as long as I was an   XXXX   military member an d Barclay con firmed this. Today, I received a letter in the mail stating that they were no longer going to honor the original terms and would begin to charge my account {$990.00} a year unless I closed the account. I can understand if they wanted to stop all new applicants from receiving this benefit as it was a promotion to bring in new military members. However, I think it is completely wrong and unjust to blindside a military member who has had this card ( in good standing ) since  XXXX  of  2016 and  not have a grandfather policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: At the end of my lease in 2014, I turned in my car to the dealership when I picked up my new car. After Ally Financial picked up the car from the dealership, they assessed lease-end fees of $ XXXX. I was able to settle with them for a lesser amount, which I paid in the time requested to settle the account. Due to a system error on Ally 's part, they reported that negotiated difference as outstanding and it was sent to collections. I was able to get this corrected with Ally, but my credit report still shows that as a serious delinquency, even after it was corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Deposits and withdrawals

Complaint: I went through drive thru at my bank Whitney Bank on XXXX XXXX and XXXX XXXX XXXX XXXX, LA to make a deposit. Then decided to cash a check in the drive thru lane rather than go around to ATM machine. The teller informed me that my account did not exist. I have many accounts I sign on. I can not state how upset i became since my pension and social security checks go to this account. I had to leave to pick up my grandson then go back to the bank park and go in to see what the problem was. The teller inside the bank had no problem finding my account. I reported the incident to an assistant manager and wanted an apology from the drive thru teller which i did NOT get.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Since 2009 Equifax has reported XXXX XXXX XXXX for XXXX and XXXX but they also are reporting XXXX and XXXX so I have XXXX different reports each XXXX for XXXX and XXXX for XXXX. I have sent letters, disputing constantly for years and still it shows on my credit twice for each. Also the last payment amount is inaccurrate and I have asked for the original paperwork with my signature since 2009 and still nothing. I will be mailing notarized certified letters to Equifax this week. This is also the second time I have reported this to you also. I will be attaining an attorney in 30 days from the date of my certified letter. 
Against Equifax and you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Providian National bank have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XX/XX/XXXXthey began more legal action to get the judgment amount. The wage garnishment started XX/XX/XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up ( its up to {$6200.00} ) currently  because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost 10years. These  garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my Chase checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX XXXX XXXX for {$7500.00} ; and one to XXXX XXXX for {$5300.00}. I initially planned on going to my branch the next morning, but then, in the wee hours of XX/XX/2017, decided to call Chase 's XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed the bank would make good on these fraudulent payments, but the Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My Chase banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX XXXX from Chase 's Executive Office, who told me he would investigate my claim. XXXX XXXX concluded that Chase 's position of denying my claim was unchanged, BUT AS A COURTESY, they requested XXXX XXXX XXXX to reverse the online payment, which XXXX XXXX XXXX did, and I recovered that {$7500.00} payment. He said they were not given the option to reverse the payment to XXXX XXXX for {$5300.00}, and suggested I pursue that payment on my own, and he provided me with the XXXX XXXX account number for me to approach XXXX XXXX about the fraudulent payment. Since then, XXXX XXXX has not helped me, but they did say the account number I provided was a valid account. AT THIS POINT, I 'M CAUGHT BETWEEN CHASE AND XXXX XXXX, AND AFTER A 3-WAY CALL WITH BOTH BANKS ON XX/XX/XXXX, CHASE SUGGESTED I CONTACT AN ATTORNEY IF I NEEDED MORE EXPLANATION. In other words, each bank was confident they need not do further for me. The representative named " XXXX '' from XXXX XXXX Executive Services Dept. gave me an email address at XXXX XXXX for law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. that was assigned my case ) to correspond with. At any rate, I am still at a loss of {$5300.00}.

Company response to consumer: Closed with explanation