milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Regarding Chase Freedom Visa Credit Card ... 

I received a notice today that they were increasing my Interest Rate from 12.24 % apr on purchases to 15.99 % apr beginning XX/XX/18. I have the option to reject the interest rate/apr increase, however, I would have to close my account. I think it is unethical to impose more than 3.75 % interest apr in one big leap. I have NEVER missed a payment to them in approx. 20 years. 

Their explanation on the notice stated " We are changing the Annual Percentage Rate ( APRs ) because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I would like to keep my Chase Freedom Visa Credit Card, however, I am experiencing a hardship and will be unable to afford my monthly credit card payments when this APR is increased. 

It would not be in either my best interest OR Chase Bank 's best interest to loose me as a customer. 

This to me seems unfair business practices. I am currently maxed out with my credit limit with Chase, however, I repeat, in approx. 20 years I have NEVER missed a payment ... ever!
My only alternate solution may be to apply for a hardship program or consider filing for bankruptsy, in which case, Chase would receive no repayment of the credit card debt I owe them. 

In addition to my Freedom Visa with Chase, I also have a Slate Visa with Chase, and of which my payments have NEVER been late.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I was part of the Wells Fargo suit settlement in connection with enforcement action related to deficient mortgage servicing and foreclosure processes between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Now Wells Fargo has grossly mismanaged my home mortgage account, yet again. I entered into Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. BK Court gave amount I was to pay to Wells Fargo for mortgage, through loan Modification. Every time I went to Wells Fargo Bank to pay the set mortgage amount, they argued with me that that was the wrong amount. My check was already made out for that set amount. I did not find out until yesterday, that they have been unapplying my payments -- XXXX of them and them ONLY applying XXXX of them, eventually, at the higher payment amount. They NEVER honored the payment amount set in the loan modification of XXXX. Interest was taken out on all payments, however, they have now charged my account for {$21000.00} in past due interest, on my XXXX-yr. old loan, making my new payment more than I can afford. They have made excessive demands for additional documents and are only interested in setting this new loan modification up for them to foreclose. I am a senior citizen living on social security and need your help.

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a reinvestigation dispute into a collection account that Experian is reporting on my credit report. The account in question is a XXXX XXXX account that is reporting incorrectly. I first disputed due to the fact that I have no contract with XXXX XXXX and Experian is allowing a fraudulent account from XXXX to report on my credit report. Experian provided no documentation once the investigation was complete so I submitted another dispute on XX/XX/2017. I received notification that the dispute was completed on XX/XX/2017, however, no documentation was received from Experian regarding how this account was verified. Being that this Experian reinvestigation took only 11 business days, there is no way that XXXX could have verified this account. I am still waiting on a copy of the original contract containing my signature to be sent to me. Experian has failed and neglected to send me any proof that the reporting account belongs to me. Under the FCRA, Experian is mandated to delete any information that can not be verified. They are in violation of 1681 ( a ) ( 4 ) of the FCRA.

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 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I withdrew from school in XX/XX/XXXX. When it was time to start paying back my loans I did not have the money to do so, but was unable to navigate Navient 's website to take the necessary actions. As of XX/XX/XXXX, I am now back in school and Navient is still asking me to make payments that I am unable to, calling and emailing me what feels like every day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has on multiple occasions put a student signature loan in deferment without my authorization. This resulted in only interest being applied to my account until I realized what they did. This now raises the monthly rate of the loan, and extends the time to repay. Somewhere after the XX/XX/XXXX payment Navient put the loan in deferment for two months until I called and asked them to not change my loans without my authorization. This added about XXXX dollars of interest to my account and added to the principal. This same issue also happened for a month after my XX/XX/XXXX payment. I am very disappointed with the tactics by Navient to change a loan that would cause more money out of the student 's pocket and more in their pocket. What they did was wrong, and it happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has a loan out on my credit that has been a closed acc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: About XXXX or XXXX months ago I hired XXXX XXXX XXXX to help me with my credit and they made it worse I pay them a XXXX dollars for 5 months and they made my credit lower I believe it is at XXXX oh have about XXXX to XXXX dollars in credit card debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by 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 explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Would like to lodge a formal complaint against Equifax for improper handling of their online security features, which then led to the breach of their systems and my information being compromised by hackers. 

See ( one of hundreds ) of news articles about the security breech. 
http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with OCWEN LOAN SERVICING LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 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: Account status incorrect

Complaint: Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

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 04-11-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX  XXXX XXXX XXXX has sent an inaccurate debt to be collected by GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Creditor opened collection XX/XX/XXXX As of today XX/XX/XXXX amount showing owed on credit report varies between {$840.00} and {$1200.00}.

I had paid my insurance co-pay of {$250.00} at the time of service for a procedure and was told no other amounts would be billed.

I have no income and have been diagnosed with XXXX  due to several sudden hardships that have occurred since 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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello again, My name is XXXX XXXX XXXXr from XXXX XXXX XXXX XXXX  NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

XXXX XXXX XXXX XXXX : {$75.00} -XXXX XXXX XXXX XXXX : {$59.00} -XXXX XXXX XXXX : {$150.00} -XXXX XXXX XXXX : {$1000.00}

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 05-11-2015 about Debt collection (Medical) with R.M. Galicia, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.

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 09/26/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I tried many times to open online a CapitalOne 360 Checking XXXX XXXX XXXX Account on many days. 
I got always a ridicules error message " We are having a technical issue ... Sorry about that '' at the end of the application process. After that I sent an application to CapitalOne over USPS. In the mail I asked either to open a 360 Checking XXXX XXXX XXXX Account or to explain why it can not be opened. I did n't get any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Payday loan) with GVA Holdings, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I purchase my house on XX/XX/XXXX, my first payment was due XX/XX/XXXX I signed up for the auto pay for the XXXX of every month, XX/XX/XXXX pass the money was still in my account I had to mail in my payment they charge me a late fee, before closing I chose XXXX XXXX XXXX and someone switch my company I complained about that and I got a refund my mortgage payment is set up all included house {$560.00}, mortgage insurance {$73.00}, escrow {$210.00}, {$850.00}, monthly so when I got my refund from the insurance company I purchased XXXX XXXX homeowners insurance out of my pocket not included in the mortgage payment my mortgage payment should be {$700.00}, LOANCARE LLC, is  charging me {$850.00}, and taking my money out of my escrow account every month and I get threatening letters, falsely accused like I 'm two months behind on my mortgage payment delinquent notice every month and they charge me late fees and Its on my credit report {$110000.00}, I have contacted them by phone numerous of times they say one thing on the phone and then here comes the mean letters my mortgage was sold to this company and they said they 're taking my escrow money for homeowners insurance I have insurance.

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 07/15/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Advertising and marketing

Complaint: A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief