milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Received an unsolicited, " pre-approved '', " prescreened '' offer in the mail for a credit card from   XXXX   financed by Comenity Bank. The only option for opting out to stop receiving these unsolicited " offers '' was to call their automated hotline,  XXXX . When you call, the automated system asks for your social security number, address, date of birth, phone number, and other personally identifiable informationthere is no path forward to stop receiving or opt out of their communications without providing all of your personal information. Your options are to keep receiving their unwanted solicitations and communications, or risk providing all of your personal information to a system with no proof or claim of security.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX, XXXX, XXXX, XXXX XXXX, and XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Advertising and marketing

Complaint: I received email offer for a credit card with great cash-back benefits from Capital One Banking. I have a money market account with XXXX XXXX balance with this bank. After applying, I was denied the credit card for the reason that my income was too low. I want to know how and why Capital One banking can solicit and extend credit card deals to prequalified people and then deny that unsolicited offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Federal student loan servicing) with College Assist (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Years ago I defaulted on my student loan and before I could resolve the issue it was transferred to a collection agency. Since then, I have written numerous letters to the many different collection agencies requesting detailed information regarding the loan and fees. Each time this is done, the loan is again sold to another company. Sometimes, there was XXXX different companies trying to collect at the same time. In fact, XXXX attempted to garnish at the same time. I finally received a response from XXXX XXXX saying they would obtain the documentation and forward it XX/XX/2016. I just received a letter XX/XX/2016 from College Assist saying they sent me a notice on behalf of the XXXX XXXX XXXX XXXX regarding retaining federal tax refunds and that they would be offset. I have not had any contact with that collection agency in over two years!!!!! It has been sold numerous times since then and I have kept all correspondence with these companies. How am I to blindly resolve this debt without any documentation? Am I to believe what the tenth in line collection agency is requesting?

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 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, 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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I own a credit card through Navy Federal Credit Union and this billing cycle my interest rate were up from 10.65% to 10.90%. Navy Federal Credit Union failed to communicate with me as why the interest rate went up, even though there has being no interest rate increase from the XXXX XXXX XXXX XXXX XXXX is secretly trying to charge me more interest without even informing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We continue getting calls from a XXXX # varies from day to day but its the same company National Credit Adjusters. # XXXX ; XXXX, the last phone call was from # XXXX. 
This morning they called 4 times iin a row. At XXXX, I answer, there is no response but I stated in the phone to remove our number from the call list. I hung up, the company called back 3 times ( XX/XX/2017 ) at XXXX. I answered and asked to be removed from their call list, the Rep stated they dont have a call list he was looking for a XXXX Again, I requested as I did the previous call ( XXXX ) that our number be removed from the call list, he repeated he was looking for someone, I told him I didnt know them and he continued to question me. This is ridiculous. Someone calling my home, harassing us. My elderly mother resides with us and she has XXXX. Every time the phone rings its bothersome to her.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: This bank is the worst bank ever. They updated their online banking system 2 and a half weeks ago and it still does not work. Their support team is one of the worst! I called and was put on hold for over an hour each time that I called and each time, they were unable to help me. They suggested deleting the app and installing it again and other terrible and time wasting " suggestion '' but they were unable to help me. I didn't know how much money I had in my account nor could I pay for my credit card bill using the online app and I had to go to the branch each time. They have been unreliable for almost 3 weeks. Was on the phone with XXXX XXXX and he told me that he was the highest ranking member in his office but he was unable to do anything to help me. They literally passed me around between different people working there and no one could help me. I am taking my business else where since TD can not manage to run their bank. This is America 's most UNreliable bank. Honestly, I've never felt so helpless when it comes to accessing my own account or money. I am deeply disappointed and there is nothing TD can do to fix this. I honestly think someone should be fired for this stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Debt collection (I do not know) with Integrated Recovery Services (ME).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A recorded message calls me employer looking for me and giving the number XXXX stating to call immediately. I have called and stated that I am not allowed to receive calls at work however, they continue to do so. I have asked that they send a letter of debt validation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed XXXX collection accounts on my credit report with Transunion, that did not belong to me. On Tuesday, XXXX, I logged onto Transunion website and discovered that all XXXX collections were removed. On Wednesday, XXXX, I logged onto my XXXX account and discovered that my credit score had dropped significantly. XXXX reported that Between XXXX XXXX and XXXX that XXXX collection accounts had been removed from my credit report. These accounts are : 1 ) XXXX 2 ) XXXX 3 ) XXXX. On Thursday, XXXX, I logged onto my XXXX account and it states that between XXXX XXXX and XXXX, that a new account had been added to my credit report. The same XXXX creditors were added back onto my credit report. I called Transunion on yesterday and spoke with a representative that would not confirm to me that these items had been removed and then placed back on my credit report. I have attached pictures, showing that the accounts were in fact removed from Transunion.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: wehave contacted on 3 occasions; XX/XX/XXXX,XX/XX/XXXX, and ,XX/XX/XXXX(certified letter) of XX/XX/XXXX sent corrections in for fraudulent debt to equifax(XXXX XXXX, and XXXX have cleared these debtsand have provided reports when requested)) . i have requested updated complete credit reports, but they have refused to send the updated reports so we would know what to fix next. all we got was a 1 page letter with acknowledgement of contestation with notation stated either deleting debt, or investigating debt but it dosen't state which debt

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (SC).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (LA).
Issue: Shopping for a loan or lease

Complaint: I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. 
Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Sir or Madam, I disputed several negative items, several incorrect names and addresses, inaccurate bankruptcy data all of which are on my credit report and have cost my husband and I XXXX dollars in high insurance premiums and interest rates on loans and my husband is an XXXX Veteran with a VA loan and this inaccurate data is not allowing us to refinance or open a savings account for our child 's education. We have tried to call Experian but ca n't reach anyone, it 's all automated. I filed disputes and provided supporting documentation but the only result they gave me was to remove an inaccurate telephone number. Experian never deleted anything after I proved that certain items were not mine or did not belong to me. Negative information remains and so does the above mentioned items. Nothing has been corrected or deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A man who said his name was XXXX XXXX called my cell and left a message stating they had delivered a 21 day notice to my residence and it was now day XXXX hours to call him to settle the matter before a process server was sent out to serve me. Case number he gave was XXXX. In the voice mail he never identified the company he works for, nor the company the case that was referred to his office was for. He then called my employer less than 5 minutes later and threatened me on the phone. Refused to tell me who the debt was for until I in turn demanded a fourth time to know what the debt was for. He finally said the debt was from Check Into Cash payday loan. Said the amount due was for over {$700.00} but I do not recall ever taking a loan out for that amount, and the last loan I took out was over 3 years ago. It is my understanding the statute of limitations for a lawsuit in Kansas is 3 years. He wanted to know since I work for a law office when I was going to pay the debt. When I told him not to call me at work and told him I was aware of the FDCPA he hung up on me. The number he called from was an unknown number but he left a number that ca n't be traced to a specific company on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

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