milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the recent security breach at Equifax, I attempted to take advantage of their very limited free credit freeze offer. When I submitted my information via the website, I received a message indicating that my credit report could not be frozen online and that I would have to submit a variety of sensitive documentation via mail in order to freeze it. 

However, it appears that the Equifax system DID indeed freeze my report. However, what the company did not do was provide me with the PIN number to subsequently unfreeze ( permanently or temporarily ) the report. Again, at the time I attempted to freeze my credit report online, I was informed by Equifax that the attempt was not successful and would have to be done by mail. 

Contacting Equifax now to have the PIN provided or reset has proven unsuccessful, and I was told by a representative that I would have to pay {$10.00} and provide sensitive information via mail to receive a replacement PIN. I am requesting that Equifax reset the PIN number for free, as this entire debacle is due to not one, but two failures entirely on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 10/21/2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Credit card protection / Debt protection

Complaint: Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.

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 06-11-2015 about Money transfers (International money transfer) with Remitly, Inc. (TX).
Issue: Money was not available when promised

Complaint: I have transferred funds to XXXX using Remitly. I used their EXPRESS Service which promises to transfer funds immediately. As promised funds have been transferred Immediately but at the same time they were Reversed the very next minute. When I contacted Remitly about this, they speak so negligently that its not their fault, its a issue with bank in XXXX and Remitly says that its job is done. Are they kidding.? How is their job done without completing the deposit? They say they are not sure of when funds are available.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

My PIN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Trying to connect my bank to app called active hour they are having issue with verifying account using a third party vendor.     We do not have a connection with your bank because the third party bank provider is not seeing able any recent direct deposits, but not because we need a screenshot. Your account was looked at by our team and we were able to see that the issue was the third party provider. There is nothing you and we can do at this point besides wait for our third party provider to fix the issue. : - (

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 01-04-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My online payment to my HOA - XXXX XXXX HOA that was sent on XX/XX/17 was never received by them and the check was cashed with a stamp stating the 'United States Treasury XXXX has it for the amount of {$330.00}. 

I received a late payment fee from my HOA in XX/XX/XXXX so I called them to find out that they never received my check that they have been getting monthly for years! So I called Chase and they directed me to get the proof of funds which I sent to my XXXX. They are the ones that pointed out that the check shows United States Treasury on it which they do n't use. Also, looking at all my other checks to them, none of them show this stamp. 

So I filed a claim with my bank, JP Morgan Chase and they just came back stating that they were contacted by the Federal Reserve and said they wo n't deal with them and will only deal with the consumer, me and that I needed to call them to figure out what is going on. They gave me the number XXXX XXXX and ask for the Dispute Department for online payments. They gave me a bunch of transaction numbers and reference numbers. 

So I called that number and they stated that does n't make sense and that the only thing I can do is file a complaint against Chase and here I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12-03-2015 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Billing disputes

Complaint: I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX credit agencies require I pay for credit report from them to get an id number so that I can dispute fraud address on my report. This report number will then enroll me automatically in their protection service plan. Victim of identity theft and credit card issued in my name.

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 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Fees

Complaint: I paid off my Pay Pal Credit in full except for a late fee which I disputed. Pay Pal agreed to reverse the fee but still charged me an interest fee of {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This collection agency keeps disputing my request to validate who they are, this is the third letter between us and every time I asked the debt collector, Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and all they keep sending us is a copy of this lease agreement. I keep asking this collection agency these questions so we can move forward but they have disregarded my intent for them to prove who they are.Also, this collection agency did not contact me and my mother within the five ( 5 ) days of them retaining this debt. I 've also stated to this collection agency three ( 3 ) times that this debt is in dispute and that we do not owe this debt that this apartment complex is saying we owe but yet, national credit systems is not trying to here it, and are still reporting this debt as validated to all three credit bureaus in which is harming I and my mother credit history .Do we have a case? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXXXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXXXXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Name is XXXX XXXX and I have graduated from XXXX University XXXX XXXX Nj in 2013 with nothing more than the daunting and draining stress of my student loans. I started paying back interest while in school, which was about {$520.00} on a quarterly basis ( mostly from the help of my mother ) and tried to consolidate my loans soon after graduation, but NJ Class was neither informative or helpful. I paid back as much as I could on time until things became unbearable and it spiraled out of control. Two years later, I 'm still struggling with repayment and the customer service with NJ Class has gotten worse. When I call to speak with someone about repayment and my financial situation I am spoken down to, rushed off the phone or even hung up on. I was even told " if you ca n't pay back the {$1500.00} a month there 's no point in paying {$500.00} a month because we will still garnish your mother 's wages ''. That is neither helpful, professional nor ideal feedback from a business. I understand that workers of student loan companies deal with a lot but the fact of the matter is, if this is the career they are in, professionalism must always be present. 
I am currently trying my best to pay all of my bills and loans but NJ Class is making it impossible. This has not only caused stress for myself but my mother has to also deal with the numerous phone calls, emails and letters from NJ Class. It has gotten to the point where they ring her at work ( which is by far, very disrespectful ). My mother did a great thing by co-signing my loans, in order to help further my education but the stress of repayment is physically making her ill. Six years ago, who would have thought that I would regret going to college since it 's taking such a toll on my mother? After long consideration and the upmost support from my mother, I have decided to accept placement in XX/XX/XXXX for my XXXX 's degree in XXXX. I am weary that NJ class may not put my loans into forbearance or even worse I may not be able to take out a loan for the year. I never thought that I would go back to school, but I found exactly what it is that I want to do with my life. Going back for my XXXX at University XXXX XXXX, XXXX is all I could ever want. It would be a tragedy if I could n't attend. In all honestly, I just wish that someone from XXXX would help me. It would help lessen the stress for my mother and I. Maybe if they explained things a bit more and were n't so rude, it could be easier.

Company response to consumer: Closed with explanation