milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Managing the loan or lease

Complaint: I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

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 04/15/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I bought XXXX visa gift cards, and they were both clearly tampered with. The glue holding them to the packaging was so stiff it could n't be removed, the magnetic stripe was deactivated, and the funds had been frozen and the card was totally unusable.

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 07-09-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit line increase/decrease

Complaint: XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected and included the executives selling their stocks in their company after they found out but before the public. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with I.C. System, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. 
Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. 
XXXX, XXXX XXXX, MN XXXX. 
These are obviously robot calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I went online to American Express XXXX and booked a hotel room for XXXX nights, was quoted around {$140.00} a night for the XXXX nights a total with tax of around {$320.00}, and when I hit accept it charged me instead for a total of {$420.00} and booked me for a larger room. When I called to rectify the situation with American Express they failed to take responsibility and rectify the situtuation, failed to make me whole in any way, shape, or form, failed to accept responsibility for the gliche in their website, and failed to accommodate me in any way. I spoke with XXXX XXXX in customer service as well as several others in XXXX customer service and got no assistance at all. I found the correct room online with XXXX, and asked for them to refund but it would take 10 busienss day to process the refund at which time I would lose the deal for the better rated room.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.

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 07-08-2015 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XXXX/XXXX/15 Richard Sokoloff Attorney At Law sent a letter at my home to pay him {$6700.00} for a hospital bill for some individual i never heard of, i called his office and explained it a mistaken ID and i do n't have any body by this name in my household, a month later i received another letter i called again and left explanation on his voicemail.now today XXXX/XXXX/15 someone dropped a court summons for me to appear in court, i called his office today and his office want to know my birth date and social security number which i do n't feel comfortable giving to a stranger, so his office person refused to talk to me. now i have to go to court to prove i am not the person they are looking for, this harassment is causing me anxiety from last 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: a public records judgment was prematurely placed on my file and equifax continues to verify it even though the court has removed it from my records and my name. it needs to be removed because it was an accidentally placed and is no longer valid. i keep asking them to verify it and show me proof and they refuse to provide any proof of any investigation. this is illegal. i do n't know how they are verifying this and reporting it. they provide me general information on the courthouse which is irrelevant to any of the departments that handle my case. the court house has NO proof nor have they been contacted by the bureau for any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the credit bureau to let them know that my credit had been ran without my knowledge or permission. I was told to contact each company to dispute these actions. I did that with no response or action.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection on my credit report is for XXXX dollars for a place that i had moved out of and taken my name off the lease. I also had a deposit for {$450.00} that I never received back. It was a lease that was split with another person ( XXXX XXXX and XXXX XXXX ). After the 6 month lease was up I had my name taken off the lease and my deposit was taken from me. The XXXX other roomates continued to live in the residence and they would be responsible for any money owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Back in XXXX I sent to Experian a request to investigate inaccurate information which hurt my credit score, Experian told me they will not reinvestigate mu dispute after I submy support documentation which I did in XXXX but the results are not according to FCRA.. I did your job to provide reports with inaccurate information and according to FCRA is the same source show different information from the same furnisher in the 3 bureaus this information the account must be deleted frpm the report.. 
I dont want a reply from you asking me to provide more documentation which obviously you ignore and keep reporting inaccurate information.. 
My job is only verify all the information in my credit report is correct, if not, under the FCRA this informatioj must be deleted inmediatly, .. This is the third time I am asking to investigate without any result to remove the accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: Bank of America contacted me about re-fi my current loan. I called the number on the letter and went thru a series of questions which I answered in the affirmative. Then the Bank of America loan officer said that I can not submit my application unless I agree to modify my existing mortgage which currently does not require escrow of taxes and insurance. So, I said if I agree to the loan mod will you then allow me to re-fi my loan to a lower interest rate and he said " no ''. My current interest rate is 7 % and I wanted to re-fi my loan to a market interest rate. I was n't asking for lowering of the amount of the loan. Simply a reduction in the interest rate. My wife has XXXX and we were looking for some relief in the form of a lower interest rate. At the conclusion of this conversation, I told this loan officer that I believe what Bank of America is doing is wrong. You can not make a borrower agree to a loan modification to make me escrow my taxes just to submit my application for an interest rate reduction. I have written numerous letters to Bank of America to complain about their dishonest and unethical practices. I get nothing but " canned '' letter responses back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Problems caused by my funds being low

Complaint: A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened. 
Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.

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 09/30/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy in XXXX XXXX I included Portfolio Recovery in the case. In XXXX XXXX they put in my credit file as a collection which affected my credit score. This same bill was included in chapter XXXX. I already included them in the plan so they came back a year and a half later put it as collection. This is double jeopardy because it had already affect my score when they put negative account and then they put in as a collection which hurt me on trying to reestablish credit. They told me it will be removed XXXX XXXX. This is not a fair act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

An Initial 90 day Security Alert has been added to your personal credit report. This message, which will expire after 90 days, alerts credit grantors to verify your identification in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 
For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, XXXX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

I DID NOT ASK YOU TO PLACE A SECRITY ALERT ON MY REPORT I AKED YOU TO STOP PLACING IT ON MY REPORT AND DO YOUR JOB XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Remove ALL ALERTS FROM MY CREIT REPORT DO NOT PLACE THEM ON MY REPORT AT ALL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief