milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. 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 monetary relief
Consumer complaint received 12/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: I have XXXX credit card accounts with Bank of America : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted BoA to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at BoA and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back BoA and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

Thank you 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 monetary relief
Consumer complaint received 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied International Credit Corp. sent a letter to collect on nonexistent transaction from XXXX. Totally fabricated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.

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 01/25/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harassing recorded phone calls multiple times a day and after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with STATE FARM BANK, FSB (OR).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 I submitted a request to State Farm Bank ( SFB ) to refund fees charged to my mortgage balance in conjunction with a modification request ; the modification request ( deed in lieu ) was denied. I have been trying to sell my ( now non-primary due to a relocation ) residential property for 10 months when I submitted the request. SFB did not make it known that I would be charged fees for the CONSIDERATION of the modification during the modification application request process. Merely to be considered SFB charged me {$420.00} for a BPO Appraisal, a title search fee and a credit report fee. I feel that this process is misleading and applies even more of a hardship on borrowers who are seeking modification due to financial stress in the first place. Not only do I have the original mortgage balance but SFB has applied MORE due in fees and interest due to this. I am sure there are many other borrowers in my situation and if not many currently, there will be. SFB as of XX/XX/2016 still not responded to my ongoing requests for fee & interest refund. The last correspondence received was on XX/XX/2016 stating that management would review & send me a letter with their explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.

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 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with Halsted Financial Services, LLC. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This company is calling my family and sharing information about the debt with them. My mother answered the phone and they asked for me and she told them that she was my mother and they proceeded to give them the amount of the debt, the original debtor and asked how she would like to pay for this. She told them again that she was my mother and he asked if she would like to help her daughter out and pay this debt. My debt is my business, not my mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wfds XXXX, NC XXXX ( XXXX ) XXXX The Wells Fargo Dealer Services is reflecting on my credit report as a hard inquiry. I have not spoke to, inquired nor discussed any attempt to obtain any services through the Wells Fargo Dealer Services. 

WFDS has no cause, right or permission to gain access or obtain any financial reporting information from my credit report and this inquiry is unsubstantiated.

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 08-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax will not remove my ga state paid tax lien from XX/XX/XXXX. It 's been 7 yrs and it should come off. All other credit agency 's removed it with no hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In XXXX of 2016 I received a letter from a company named Navient stating I have to make a student loan payment to them. On XXXX/XXXX/16 a certified letter was mailed to Navient requesting validation of the allege loan debt. Navient has failed to validate the debt and is in violation of Fair Debt Collection Practices Acts that require a debt collector to validated the debt they are attempting to collect on. Navient is harassing me and conspiring to defraud me by violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Furthermore Navient continues to attempt to collect on an alleged debt without strict proof of its existence falls under Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my XXXX credit report and noticed Navient published a negative remark. This is defamation of character and a violation of Fair Credit Report Act which requires accurate information be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Someone on  XXXX  purchased my   XXXX   XXXX   XXXX   for {$1000.00} they sent me the payment on my PayPal prepaid card, I immediately emailed them the  XXXX  to Indonesia, it appears someone hacked into another persons paypal account to purchase my phone, since someone hacked into their system they do n't want to take the responsibility, so they are making me pay the {$1000.00} because I do n't have the tracking receipt, they are looking for an excuse, they also will not allow me to disconnect the link they have to my savings account and every couple days they try to take money out of my account for a refund to   XXXX   XXXX   for {$50.00} that they refuse to allow me to cancel transfer, they have caused me $   XXXX   days in overdraft fees to my savings account

Company response to consumer: Closed with explanation