milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Billing disputes

Complaint: Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''

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 10/15/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: a load reversal in the amnt of XXXX was made on my acct ( call it a ) from merchant affiliated with card company in error on XX/XX/XXXX info was verified by my credit card ( card b ) that funds were removed and posted on orginal date of transactionand prepaid card company cant figure why funds removed nor seem willing to return.. I have spoken with fraud dept, acct protection and merchant affiliated with amex serve and have been given incorrect info, no call backs as promised.. I keep having to contact my cc company and have given my personal cc info 3 times along with my ssn to these reps ( not smart I know )

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: i did not receive a bill and when i called they added fees and i have called a bunch of times

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 04/18/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: ON XX/XX/2016 I had a deposit of XXXX into my account and on the same day I had XXXX different companies authorize XXXX different transactions in the amount of XXXX and XXXX both of which were approved. Then on XX/XX/2016, while those XXXX transactions where still pending I used my debit card for XXXX other transactions XXXX for XXXX and another for gas in the amount of XXXX, at the close of business on XX/XX/XXXX those XXXX transactions where both still pending and my bank which is Bank of America preceeded to charge me an verdraft fee for both the first XXXX and the XXXX, stating that at the time those items posted that my account was overdrawn, at which time it was not, I had the funds to cover the items.When I called and spoke to Bank of America, they stated that at the time those items came into my account it was overdrawn, which in fact it was NOT. The representative proceeded to show me on another screen where it showed it was overdrawn. I noticed that on that screen Bank of America re-layered the transaction showing the XXXX pending transactions as still pending but coming in first and the rest of the transactions after and that is how they are getting away with charging me the fees. How can a bank charge overdraft fees on transactions that were already approved and had not overdrafted my account. So the XXXX transactions that they charged me fees on where autherized first on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016, but they are saying at the time they posted to my account it was negative, however the item that they said made it negative was a transactions that was done on XXXX/XXXX/2016 and is still pending and will not post to my account until the close of business on XXXX/XXXX/2016.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to both Transunion and XXXX to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : Transunion : XXXX , XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  XX/XX/XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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The following are inquiries from XXXX that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.

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 01/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Requested a credit report online. It was nearly impossible to determine what the cost of the report was. There was lots of wording anout a credit monitoring which I didnt want. But Experian somehow signed me up for a monthly fee which would be well over {$260.00} per year. Apparently, I was given a 10 day trial period. At the conclusion of that time, I was billed XXXX. The issue here is really about how skillfully Experian hides and manipulates those requesting a credit report into their very expensive and mostly useless service. It is a fraud that for most people may be unknown for many months until they notice the charges on their checking statement. This tactic is used by Telemarketers constantly and has no place in credit reporting. I contacted Experian and after XXXX phone calls, they flat out refused to credit my debit card. It is clear that this is a cleverly executed scam, designed to confuse and siphon more dollars from unsuspecting consumers, especially XXXX. This must stop.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.

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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I  reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with CITIBANK, N.A. (ME).
Issue: Customer service / Customer relations

Complaint: Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore

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