milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: A while ago I applied to the XXXX Credit card which has a annual fee of XXXX dollars (1st year waved). I was not using my credit card as much as I originally thought when I first got it, so I decided to downgraded it.I called in before the annual fee was charged and was told by the costumer service representative that I needed to wait a full year and to get the annual fee posted so that they can downgrade my credit card to one with no fee, and not to worry about the annual fee since they could reimburse it or waived when I downgraded the card.So I follow his instructions and called in on XX/XX/XXXX (2 days after the annual fee posted) to downgrade my account. I asked once more if the annual fee was going to be reimbursed or waived and they told me the fee will disappear in a couple of weeks.Today is XX/XX/XXXX and the fee hasn't disappear. I called in and I was told they could do nothing about it and that I was my fault and I should be held responsible for that. So basically I paid XXXX  dollars for an annual fee of a card that I was able to use for less than 2 days.I feel like I was deceived twice by their costumer service representatives by misrepresenting information and now I have to pay for that. They costumer service representatives are really poorly trained, they misquoted their terms and conditions in every single interaction I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Transaction issue

Complaint: I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am currently trying to remove things from my credit by disputing them. I noticed on transunion things fell off then got added back. When I called customer service and asked questions the lady was very rude and refused to help me. Attached is a screenshot of the stuff removed and put back on. Thank you for your time.

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 06/19/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed 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 10-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo sent a check to me at an old address, noting that " a recent quality review '' revealed that I was " owed a refund for certain fees paid on '' an account that they reference. The check and account are in the name of " XXXX XXXX or XXXX XXXX ''. I do not know any XXXX XXXX, and I have not had an account with Wells Fargo since I was a college student in the early XXXX. I believe that my information was used fraudulently to open an account, possibly with this " XXXX XXXX '', and want a full review of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This company not only called a XXXX party ( my father ) at his place of business, they claimed that if the debt is n't settled, they will take legal acction and access my bank account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Payday loan) with Rosebud Economic Development Corporation (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Phone call received from XXXX at XXXX in XXXX/XXXX/2016 call was declined by me

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 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My wife and I moved back in  XXXX  of  2016. Since that time there have been   XXXX    attempts where someone has applied for an Amazon.com credit card through Chase Bank in my or my wife 's name. These applications have all used our old street  address.     Each time this happens I 've call ed Chase to indi cate that the application is fraudulent and had the application denied.     I have spoken multiple times to bo th Amazon and Chase customer service indicating that I have no intention of applying for an Amazon or Chase credit card, and  I would like them to deny any application in my name, but both have indicated they can not do anything to help me. They each directed me to the other for help. Neither is accountable for the problem. An  Amazon agent did indicate one time that she would call Chase on my behalf, but it had n o effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Having been paying on wedding ring faithfully every month. There have been a couple of months that the payment was made  but Capitol One proce ssed it a day o r two late,  so therefore they hit me with last payments and fees and they keep racking them as I am only paying the amount that I agreed to when I signed the contract. Tried speaking with them and they state they can only go back a year, which would have been   XXXX   XXXX     and during that time the payment was processed late twice, however, they will not let me know what the payments were before that time. My credit has been highly affected by this. I have spoken to my attorney about this and he suggested I contact you as I am probably not the only person they are doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or about XXXX XXXX, 2016 I contacted the Transunion CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from 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 non-monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had fraudulent charges on my credit card. 
Capital One has had employees tell me different things which included the ability to re open the dispute and that the date coorespondence needed to be received by was not important. 
I provided information to them within 60 days of the charges and disputes but because I opened the disputes up in XXXX, I am not eligible for protection. The policy has changed from Employee to Employee and nothing is clearly a policy but discretionary. In turn, False advertising. 
As of Today, I now have been told differently and denied assistance by Capital One as they are not helping whatsoever with the fraudulent charges. Their employees are all saying different things and the consistency of information, policies or Fraud liability help does not appear to be as advertised. 
Their reasoning is solely based on me not delivering further information within 14 days when again, representatives at previous conversations explicitely stated the dates are irrelevant as long as it is within the 120 day period. 

I spoke to Visa and Visa says the policy is Capital One 's individually but Capital One does not have any sort of policy in writing and has not trained their employees to communicate accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pan Am Collections, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When I signed up for a Leading XXXX membership I told the representative that I might not be able to continue coming if I got a job. She said, " That 's alright, you can cancel if that happens. '' So, I went to the health club for about a month before I got a full time job and could no longer go. I continued paying the fees for about five months, but after that I just could see any purpose in doing so since I could not utilize the club. So, I called to cancel and was informed that I would have to pay off the balance. This is not what I was told I repeatedly tried to work something out with them, but they refused. This occurred five years ago. I want to file a complaint against them at this point. It 's negative option billing. I trusted what I was told and then they change the terms.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
<P/>
Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
<P/>
Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX loan in XX/XX/XXXX for XXXX in XXXX. Navient became the " owner '' XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not available and repayment balance does not reflect 2 years of repayment. I called to ask about forgiveness since I work in rural family practice. Have received no assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a later charge on my credit history from XXXX approx. 20 years ago. It was due to the Postal Service on XXXX XXXX in XXXX XXXX FL loosing XXXX bags of mail. They lost my mortgage, car, utilities and credit card payments, yet XXXX 's is the only one still showing on my Credit History. I pay my bills as soon as I receive them. This is not right, or fair.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (OH).
Issue: Taking out the loan or lease

Complaint: I had a lease through Mazda Capital which is ran by Chase Bank. The lease was ending and I turned the car in at the dealership and notified Mazda Capital. I checked on my online banking and it said that automatic payments were turned OFF. On the payment due date they deducted another payment from the bank account that WAS NOT OWED because I turned the car in and ended the lease. I called Mazda Capital/Chase about this on the day the payment occured and they assured me that I would get a refund within a week. After a week had passed I called again and was told that the refund was denied because they will not issue the refund until they completely close the lease account and send the end of lease bill. I was told this end of lease bill can take 30 to 90 days to generate so that means they will have been holding on to a payment that should never have been made for months! I called and pleaded with them that I need this money back - I spoke to a supervisor and they do not care. I was told there is nothing that they can do for me other than wait. This is not right! I need this money to pay my bills and I never owed this money. I turned the vehicle in a few days before the lease ended, there was no more money due on the account. Please help me. I would have attached documents to this complaint, however my online account disappeared from my online profile right after I called and complained so now I have no access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.

Company response to consumer: Closed with monetary relief