milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax - Did not adequately protect my personal data from hacking. Did not report that a breach had occurred in a timely manner ( allowed 6 weeks to pass before releasing a statement to the fact ). Did not notify me directly that my information was stolen. Attempted to offer a 1 year credit monitoring service that would require a credit card and charge after 12 months if not cancelled. Attempted to profit by still charging to freeze and unfreeze credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively. 

I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company. 

Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. 

I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I was informed today ( after an excessive runaround ) that XXXX XXXX transferred my loan to NationStar. This was incredibly shocking to me since I was NEVER notified in ANY way. XXXX has had my up to date contact information because I have received tax info from the company in the past.Why I was not notified of my loan going to another company I can not understand. When I finally spoke with a NationStar representative I found out I was transferred to NationStar XX/XX/XXXX! They received payment for a couplemonths then it stopped. Apparently XXXX XXXX never gave them the correct contact info for me either ... so they were never able to get in touch with me to tell me about the transfer of my loan or how they were not receiving the payments I was sending. I was then informed I was {$8500.00} behind! And yet I had been sending {$1300.00} a month -every month- and NEVER missed a payment ( actual mortgage payment ~ {$9500.00} ). I understand XXXX may have forwarded XX/XX/XXXX-XX/XX/XXXX to NS. That still leaves XXXX months of payments unaccounted for! That is {$11000.00} XXXX XXXX has STOLEN from me! 
If NationStar is unable to waive the legal fees already associated with my now in foreclosure home ( DUE TO XXXX XXXX ) I believe XXXX XXXX should have to reimburse all fees. Not to mention the severe damage this has on my credit. I was also notified that since I am not active duty I do n't qualify for any security services military members are eligible for ... I AM XXXX, have been since XX/XX/XXXX and am currently XXXX. If I had not been attempting to look up some property tax info on a whim my house would have been foreclosed and I would have never been notified of anything until after it was complete! I had to do all of these phone calls via XXXX to attempt to talk to service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility 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 12/27/2016 about Student loan (Non-federal student loan) with Vermont Student Assistance Corporation (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is my 3rd complaint I 'm filing against the Vermont Student Assistance Corporation ( VSAC ). This is not a duplicate complaint, as VSAC asserted when I filed my 2nd complaint in XXXX XXXX. To note - I have escalated this matter to my State of Vermont Legislators and they were somewhat helpful. My emails reporting this matter to some members of the VSAC Board of Directors went mostly ignored. 

XXXX XXXX, the General Counsel for VSAC, has stated that VSAC will not allow me to utilize the remaining months of reduced payment forbearance that remain on my private student loan accounts. When I have inquired why not, he has provided the explanation that I have not provided a plan to make full monthly payments as " required '' for forbearances to be granted. When I have questioned this policy, as it was only this past XXXX that I was told by XXXX XXXX that I needed to submit a plan to make full monthly payments with my request for reduced payment forbearance, XXXX XXXX has dodged my question and to this date, has not provided a reasonable explanation as to why I 'm now just being required to submit a plan to have forbearances approved. 

On XXXX XXXX, in response to a letter I received, I did submit a plan to make full monthly payments starting in XXXX. To note, I had provided a draft of this same plan in a previous email, but it was ignored by XXXX XXXX. The plan provided on XXXX XXXX, provided an outline to resume full monthly payments, is based on my projected income vs. expenses for XXXX, and is based on being able to utilize all remaining months of reduced payment forbearance. XXXX response to this plan submission - which he requested - was an implied no that VSAC will not allow me to utilize my remaining reduced payment forbearance months left on my account. 

At this point, I believe that XXXX, acting on behalf of VSAC, is purposefully making things difficult for me because I have questioned his contradictory statements over approvals of reduced payment forbearances and pointed out his inconsistencies and delays to responding to my questions. I believe this behavior is not only unprofessional, but unethical. I have reported XXXX continued difficultly to his superiors - the President and Vice President of VSAC. To date, my emails to them have gone unanswered and I still have not received a reasonable explanation as to why I am being told - over a half a year in advance - that VSAC will not allow me to utilize reduced payment forbearances in the future even with a plan to make full monthly payments submitted.

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 08/18/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TX).
Issue: Struggling to pay mortgage

Complaint: i have been working with US Bank my servicer on a loan modification sinceXX/XX/XXXXand they consistently request for pay stubs stating that they do not have 30 days worth of income. This statement is absolutely inaccurate due to i am paid bi-weekly and 2 pay stubs would cover that. When i submitted i submitted 3 pay stubs to be safe which were current and consecutive at that time. During the length time of them having to review the documents just to get it from stage to stage i consistently updated the pay stubs again to be safe. I got a pay increased in the month of XX/XX/XXXX, I went from {$17.00} to {$21.00} and the first pay stub to reflect that was dated XX/XX/XXXX. US Bank stated that I need to send 30 days worth of pay stubs to reflect increase so I sent the next one that I got dated XX/XX/XXXX, I called back and they do n't have 30 days but they have those 2 pay stubs ( how does that work ). I sent in another pay stub dated XX/XX/XXXXand again the have all 4 but they do n't have 30 days worth of income with the increase in rate. Again I faxed in another pay stub datedXX/XX/XXXX, called lender to confirm received which they did and what a surprise they need 30 days worth of pay stubs with increase. To me that would fall in line with dual tracking but I am not done with US Banks consistent badger for more documentation which is stalling the process and pushing more into delinquency. i just called again today XX/XX/XXXXto get an update on status hoping someone at US Bank knows how to do their job, I was told that I need to provide 30 days worth of pay stubs, I asked if they have my pay stubs from before and they said yes but since the underwriter is asking for it then we must get it for them. I asked can you count the pay stubs that you see in my file and they said I see it but because they want it then we have to get it, but you have months worth of pay stubs with the increase that does n't matter I was told because we have to get the new pay stubs for 30 days. I have faxed over the newest pay stub that i just received today dated 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 explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I applied for a Bank of America Merrill+ Visa Signature credit card on XX/XX/XXXX and was approved the same day. I was approved for a {$20000.00} limit. I received the card on XX/XX/XXXX. 20 minutes after receiving the card, I made a purchase at XXXX. About 20 minutes after the purchase, I received a call from Bank of America informing me that they had closed my account because they approved it in error. According to the representative, the application should have been declined because they had extended me sufficient credit. I asked if there was anything I could do to reopen the account because I had been a loyal customer since XX/XX/XXXX and never missed a payment ; however, the representative informed me they could not reopen the account. Next, I asked if they could remove the account from my credit report. The representative said they could not remove the account from my credit report due to the purchase I had made just 20 minutes prior. I spoke to another representative a week later and they gave me the same information. The account recently appeared 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 08/25/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XX/XX/XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. 

However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. 

Worse, when I disputed the information to XXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. 

As of XX/XX/XXXX - almost a year after payment - the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On Sat, XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,

Once more I need to contact you re the abusive policies at Synchrony Bank.  Regarding my   XXXX   account Nr. ending  XXXX  and   XXXX   Account ending   XXXX  .  

I hav NOT made any purchases for several months in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!

What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on XX/XX/XXXX  and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Synchrony bank for abusive practices regarding interest rates and punitive fees to customers.  I know that there are a myriad of complaints regarding your bank and also several other class actions that you have had to pay regarding harassing phone calls to customers.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,

 XX/XX/XXXX   XX/XX/XXXX  This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

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 02-03-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: APR or interest rate

Complaint: I paid off a credit card from Chase Visa and they sent me a bill for {$13.00} on a XXXX balance. Also they charged 27.99 % interest on XXXX and 29.99 % on another and refuse to lower them both Chase Visas.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap

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 07/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient did n't let me enrolled  into an Income Repayment Plan  because it kept informing me to put my loans in Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I was charged interest ( {$19.00} ) by PayPal for my PayPal credit account, which I believe should not have been charged. On my PayPal online account, it states that the " amount to avoid Standard and Deferred Interest '' is {$240.00}. It did not state that credits/refunds paid back to my PayPal Credit account would not be counted towards this amount. The explanation provided next to the " amount to avoid Standard and Deferred Interest '' did not provide ANY NOTICE to a customer that refunds/credit back received to the account would not count towards this amount. Because I had several hundred dollars worth of refunds come back to my PayPal account, I did not believe I needed to make an additional payment towards the amount of {$240.00} ( in fact the total payments and refunds back to my account was {$520.00} ). I was then charged interest and upon calling PayPal was told that actually, refunds and credits do not count towards the {$240.00} amount. I said that there was no notice of this on my PayPal statement or in the explanatory box next to the {$240.00} amount ( pictures attached ). Had I known, I would have made the additional payment necessary to avoid interest. Most other bank credit cards take into account refunds/credits towards the interest payment. I said that now that I know of this policy, I will take that into account for my future payments, but I should not have been charged the interest this time. PayPal simply said this was my problem and they were n't willing to do anything for me. This is incredibly upsetting, not only because I have been a PayPal customer for a long time but because I believe a customer should not be charged this interest given this lack of fair notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (NC).
Issue: Fees

Complaint: XXXX has scammed me via a laundry list of fees that have racked up over {$30.00} in two days. I got my first Direct Deposit over {$500.00} on XXXX/XXXX/2016, and I received a text stating that I was upgraded to a Premier status. I already knew this was a benefit that Netspend offered, so I proceeded to use my card to pay bills and do things I needed to do for my family. 

Tonight I looked over my charges because I was short and could n't figure out why. I have various fees for everytime I used that card until I last used it a few days after my DD. I counted over {$30.00} in fees in TWO DAYS ; which is OUTRAGEOUS and something I would 've never paid seeing as I just recovered from a car accident that left me UNEMPLOYED for almost two months. 
I called their " customer service '' line tonight, and after arguing with the rep and him trying to tell me that I " misinterpreted '' the text I got, I asked for a supervisor, and after waiting on hold for that " supervisor '' for almost 10 minutes, He ( name was XXXX ), pretended not to hear me, when I KNOW he could, and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Billing disputes

Complaint: Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.

Company response to consumer: Closed with explanation