milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Three things 1 ) they debited my checking account after issuing a cancellation for the payment. 
2 ) they offered to return the payment in 7-10 days which is unacceptable. 
3 ) they never returned the payment. as of 30 days later. 

also it is their practice to debit your account for autopayment even if you have already made the minimum due OR you have paid your balance in full unless you disable autopay. I think if you make the minimum due and your autopay is set for minimum due they should not debit your checking account for the minimum due. 

1 ) I set up a payment online for {$400.00} on XXXX to draft my checking account. As soon as I set up the payment I noticed it was for the wrong account ( within one minute ). I cancelled the payment and received a confirmation.After I received the confirmation, I set up a payment for {$400.00} on the correct account. Both debits posted to my two checking accounts the next day. The one I had cancelled caused an overdraft and a fee on my checking account. I called capital one and after 30 minutes they said it would take 7-10 days to reverse the item. I said that was not acceptable as they could reverse the item in 1 day if they wanted to. They never reversed the item. Also, the following month, my autopay did not work and I was charged a {$25.00} late fee.Customer service said they would issue a credit and look into the {$400.00} payment. I paid the minimum due of {$44.00} but they said autopay would still charge me {$110.00} even if I paid my balance in full resulting in a negative balance on my credit card. The customer service rep said its so people can pay their credit cards off sooner. I could disable autopay if I like.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Taking out the loan or lease

Complaint: I went directly thru Bank of America to get pre approved for my car loan. Once I found the car I wanted to purchase I went to the dealership and took with me the approval letter. I called Bank of America to get the status of the Loan a week after having my new car. i was told that because I had gone to a preferred dealership I needed to follow up with them. I was really upset and explained to them that the main reason I got approved directly thru Bank of America was to avoid dealing with the dealership. I immediately asked for my issue to be escalated. The representative said she would escalate the issue but I never received a call from the escalation department. A few days passed and the dealer contacted me stating that my rate had increased due to having been {$1400.00} over my approval amount. I called the lender again and was told that all was resolved and we reached a new agreement. A new approval amount was uploaded to the system and when the fewer called to confirm new terms Bank of America said that the loan was back in UW. How can an approval be given in WRITTING before an UW looks at it. Again I called lender and they said that I needed to go back to my dealer for answers. Why do I have to go back to the dealer when they did n't tAke care of my financing? I submitted my loan directly thru bank of Americas website!!! To make matters worse I was. Ever assigned a loan officer and ifs a loan officer is assigned it 's out of formality because no one has ever reached out by either mail or phone to introduce themselves, which makes this process even more confusing. So to sum it all up I was not assigned a point of contact, I am being mislead as to what the reasons of various UW are and although I have asked for my loan to be escalated no one has reached out. My application is about to expire on XXXX XXXX and I refuse to have my credit pulled again when it 's not my fault.

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 05/26/2016 about Debt collection (I do not know) with Hirshberg Acceptance Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit report not showing complete payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Credit card) with Bursey & Associates, P.C. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Bursey & Associates acted as a debt collector for XXXX XXXX. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.

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 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX negative items on my credit report of a Foreclosure and a Bankruptcy. The foreclosure was never foreclosed on and probably never will because I believe it is Fraudulent. I am consulting with attorneys to start a Damage Claim Lawsuit because of this. The bankruptcy was a result of the foreclosure. Both of these items have caused me a great deal of Damage by being on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with N.A.R., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I continually am having issues with Equifax and their horrible customer service and their complete disregard for keeping accurate records in numerous regards. I keep having an account that has been wiped from my responsibility reinserted by Equifax causing a derogatory flag to report on my credit file. This has been settled and the maliciousness of Equifax is apparent with their reinsertion a month or so after they remove it when I complain to the CFPB. Action needs to be taken against Equifax for their complete disregard for keeping accurate records. Even Equifax has lost track of who the account was from and is reporting a derogatory account from a nameless collection agency regarding a medical account in the amount of {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent a letter to the XXXX credit bureaus, asking them to correct errors on my credit report. I promptly received responses from XXXX and XXXX XXXX showing the corrections, but I still have not receive ANYTHING from Equifax. I 've even sent follow-up letters. Still : No response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated with a large amount of student loan debt from XXXX XXXX in XXXX, MA in 2009. Since graduation I have put my private loans in deferment and paid interest only payments for the past 6 years. Now, Navient is requesting that I pay {$1500.00} a month to pay off the rest of the loan. I told their customer service department I could not afford and they said well you can pay an extended payment rate of {$850.00}. I asked if the payment could be further lowered where I have spoken to several representatives. They first told me that I could do the {$850.00} payment only and nothing lower, then told me that might co-signer on XXXX of the loans would also need to call in for approval. When I called back they said that I made too much money to have the terms extended and that my basic life necessities left me with about {$1700.00} a month to work with, but their math only took very basic necessities into consideration. They said that their is now an approval process to lower my payment to {$850.00} but that I will almost certainly be denied, given how much I make. Given that my work is in freelance film and television production, I have to keep some amount of savings because while I work steadily there are times of the year I can not work. I have offered Navient a couple of times now a reasonable amount I can pay and they will not accept anything but the {$1500.00} a month, which roughly half of my paycheck every month. I am willing to pay them and I want to make a reasonable monthly payment but they told me that the only way I would have more options to repay my loan is if I went delinquent on my payments, which is something I do not want to do. I do not understand why they would want to make the situation more difficult and not try to work out a reasonable plan. I am at a loss for what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash

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 03/29/2018 about Debt collection (Credit card debt) with Allied Interstate LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called XXXX service number on the back of the card on or around XX/XX/2018 and explained that I had been through a hardship and wanted to get my XXXX card back on track I told him that I couldn't make a payment until XX/XX/2018 and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my XXXX card was closed on XX/XX/2018 wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/2018 to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XXXX of XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX   is not interested in helping customers when they have fallen on hard 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 explanation
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Finance Company, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Debt collection (Credit card) with Cooling & Winter LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Online I temporarily lifted my credit freeze with Experian from early  XXXX  to  XXXX   XXXX ,  2017 . I am moving to  XXXX   XXXX  and I need to allow landlords to run credit checks as I search for apartments. Since I did n't know how long the process would take, I requested a lift for the maximum period of time. Now, I want to restore the freeze since I have found an apartment. Both  XXXX  and  XXXX  conveniently allowed me to restore the freeze online. Only Experian will not allow me to now cancel my credit freeze lift. I tried first online and could n't do it. Then, I called Experian  (   XXXX   XXXX   XXXX  ) and was told the original credit freeze lift had to stay on until it expired. This arbitrary behavior is uncalled for and actually increases my exposure to credit fraud. Please look into this 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 non-monetary relief