milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with Kevin B. Wilson Law Offices (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My actual issue was not listed above, however what happened was that I was sending small payments to Florida XXXX. That was n't good enough for them so they turned my account over to XXXX XXXX XXXX XXXX. When I finally sent written communication to XXXX attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, XXXX completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that XXXX has now turned my account over to an ATTORNEY, Kevin B. Wilson Law Offices in XXXX, TN, acting as a debt collector on their ( XXXX ' ) behalf. XXXX DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should XXXX had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from XXXX. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When XXXX refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of XXXX XXXX XXXX XXXX ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with DISCOVER BANK (WI).
Issue: Other

Complaint: XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XXXX XXXX I opened a XXXX XXXX XXXX card which advertised an annual {$300.00} travel credit benefit. On XXXX XXXX, XXXX I used the card for a travel purchase and received a {$300.00} credit from Chase on the same day. Given it happened within XXXX I believed the credit should be counted towards XXXX and I would be eligible for the credit again for XXXX. However, after I used the card multiple times for travel purposes in XXXX I did n't receive any credit. On XXXX XXXX, XXXX, I contacted Chase about the issue. The customer representative explained the XXXX XXXX, XXXX travel purchase and the corresponding {$300.00} credit in fact counted towards XXXX because even though they happened within XXXX they appeared in XXXX XXXX statement. 
At the time of opening the account, I did not receive any explanation that a difference between the date of a transaction and the date such transaction appears on the statement would have a critical impact on how the travel credit would be applied. Such subtle difference, even disclosed clearly, would be extremely confusing for a consumer to understand and manage. Such misleading advertisement directly led to my financial loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.

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 11/13/2017 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: Information belongs to someone else

Complaint: Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During the du ration of six mo nths I have called as well as sent in the proper documents which consists of police reports and identity affidavit to show that an account which is  XXXX   XXXX  and  XXXX  for the amount of  XXXX  an inquiries which will listed below for resolution on my credit report was identity fraud. Due to all of communication and documents I have still yet to have the account removed off my report I have tried multiple times I would like the account as well as inquires that I did not authorize to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (PR).
Issue: Account opening, closing, or management

Complaint: I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully 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 06-12-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all three bureaus and repeatedly disputed directly with XXXX XXXX - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and Experian. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Experian on behalf of this matter of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Medical debt) with Credit Bureau of Carbon County (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have constantly tell these people to stop contacting, very unprofessional and abusive. I 'm giving them 24 hrs to cease and desist. I do n't want these people to ever contact me again final warning. 

My fee schelude is as fallows XXXX per call XXXX per min must book more than 5 mins. 
Final warning.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: OnXX/XX/XXXX2017 I called Chase to provide a PIN so that they could access my credit file, which I keep frozen for security. The weekend before I applied for a Marriott credit card ( which I recently closed out only to later change my mind on wanting the card ). I understood that I would have to apply again and I had no problem doing so. 

When I first called I provided the individual with the reference number ( XXXX ) which he used to being the process, however I had a call from my wife and had to terminate the call. I then called back about 5 minutes later and spoke to a different representative ( XXXX ). I informed her that I wanted to provide the PIN so that I could continue with the application process. She attempted to verify me by asking me to give the her credit limit of one of my other credit cards. I was n't sure of the limit since I do n't utilize that credit card often, though I informed her that I was in my vehicle trying to go to work. 

I was unable to give her that piece of information, though I know that I gave her my date of birth, address, the application reference number, my SSN, volunteered that I had recently closed out the same account about 6 weeks or so in the past, volunteered the other information about my account, read all of the physical information from the credit card that I was being asked to confirm the limit to ( number, expiration, member since date, CVV number ), cited the fact that my last name was spelled incorrectly on the XXXX XXXX 2017 letter from Chase, however this information was not enough for her. 
I asked to be transferred to a supervisor ( XXXX, unsure of spelling ). The supervisor asked me similar questions. However at one point, she asked me to provide the exact amount of a transfer that came into my Chase checking account ( with my wife ). Frustrated since, I would not know the exact amount of a payroll check that was deposited into my account and that was my wifes check. I asked why I would need to give this information when I was applying for individual credit. The supervisor indicated that this was standard verification. Naturally I wasnt able to give this number, nor would I if I did know since this appeared to be conditioning my application on information related to my wife. 
Eventually I was able to remember the credit limit for the card they were asking me about, and ONLY then was I allowed to give them my PIN to unfreeze my file to process the card ( which I was approved for in only a couple of minutes ). I was on the phone for over 30 minutes, for what shouldve been a 5 minute call, asked an unreasonable amount of verifying questions that hinged all on one credit card limit, late to starting work, and asked to provide information on my wifes income to process a single application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.

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 11-02-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (LA).
Issue: Fraud or scam

Complaint: I 'm an online college student and I receive financial aid in which I chose to receive it via direct deposit through rushcard. I just recently found out about the glitch in the rush card system. I was expecting to receive my financial aid today however, I see no pending deposits. I called rushcard customer service but when I was transferred to a representative It said my call could not be completed. I never had this problem before and I always get my funds directed to rushcard with no problem.

Company response to consumer: Closed with non-monetary relief