milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: APR or interest rate

Complaint: I had opted for a balance transfer through Citizens Bank last year with 0 % promotion to defray the high-interest credit card balance I carried with another creditor. I intended to pay off my balance with Citizens Bank but unsure of when the promotion will end so, on XXXX XXXX, I placed a call to the bank 's customer service line and was told that the promotion will end XXXX 2016. To my surprise yesterday Friday XXXX XXXX, I received a statement with a {$78.00} charge which made me to call the toll-free line and the customer service representative I spoke with said " The promo expired in XXXX but there 's a new one that you can apply for ''. I felt very XXXX, taken for a ride and ripped off as this guy was so belligerent and would not listen to my point that someone had told me on XXXX XXXX that the promotion was good through XXXX 2016. Rather, he continued saying " Do you have a letter to the effect that the promo ends in XXXX? '' This is gross misrepresentation, deceit and fraud of the highest order and this company has to face the music.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America Unsecured Business Credit Card Charged off. Bank of America Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.

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 03-08-2016 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (TX).
Issue: Managing the loan or lease

Complaint: XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.

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 03/29/2018 about Debt collection (Auto debt) with CCS Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I purchased a vehicle inXX/XX/XXXX and a part of the GAAP coverage was paying for auto insurance. The dealer offered XXXX for auto insurance coverage, and I paid for their services to start. 

After I discontinued with XXXX because I found a cheaper offer, I was charged additionally for another month. I had to argue with the bank to return the funds because the auto payment was not set up with my consent. 

The bank disagreed and the account was closed for proper payments schedule. I was informed to contact XXXX and have them repay the payment made. The bank was not able to remit the payment due to the charge being placed on my credit card. 

I have a collection services requiring onXX/XX/XXXX that I settle the amount 50 % of {$270.00}. I will not settle by paying {$130.00}. I am not trying to pay these charges. 

The bank did not pay me back and XXXX XXXX XXXX took payments from me fraudulently in the month ofXX/XX/XXXX. I wish to request a repayment of my funds and to accurately change my debt and debt owed to my financial reporting agencies and credit reporting agencies so that I can improve my credit score ratings. The balance of {$270.00} needs to be returned to me immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone messages received about me being a person of interest in a past debt that I owed. I have no past debts and in looking up the phone number that called me, I see the company is well known in scamming people for so-called debt collection.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (FHA mortgage) with CalAtlantic Financial Services Inc (CA).
Issue: Improper use of your report

Complaint: I was pre-approved for a mortgage with XXXX XXXX prior to looking for property. We found a New Home from CalAtlantic Homes ( XXXX XXXX XXXX, CA ). They told us that " We Must '' use their mortgage company or we could not write an offer or put a deposit down on their home. I did as I was requested. CalAtlantic mortgage ran my credit 3 separate times, only receiving my authorization for ( 1 ) time. They pulled on XXXX XXXX, 2017 ( original date we had to apply with their company ), next on XXXX XXXX, 2017 ( without my consent ) and the third time on XXXX XXXX, 2017. They tell me it was because they used a company called XXXX XXXX ( a re-seller of XXXX credit reports ), XXXX XXXX sent an e-mail to me stating that " they do not '' run my credit. I want to have 2 of the Hard Pulls  removed as it has made my FICA score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: In XX/XX/XXXX, I paid for the remaining lease payments on my XXXX XXXX XXXX. In XX/XX/XXXX, I traded in this vehicle to XXXX XXXX. At that time, XXXX XXXX sent a check to Chrysler Capital buying the vehicle. On XX/XX/XXXX, I went into a XXXX dealership to purchase a new vehicle. Upon doing a credit application, I was denied. After going to a different dealership, the sales manager called Chrysler Capital. At that time, it was discovered that the vehicle in question account was closed with an OUTSTANDING balance of {$20000.00}. This is the amount of the check that was sent over 2 years ago from the dealer who purchased the vehicle. Chrysler Capital credit department never updated the file to " paid in full ''. After making nearly 20 calls to find out what was going on with my account, I was finally able to reach a representative in the Office of the President who did THOROUGH research who had the file updated and reconciled with a " {$0.00} '' balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (WA).
Issue: Account opening, closing, or management

Complaint: This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to 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 explanation
Consumer complaint received 09/16/2016 about Debt collection (Federal student loan) with AES/PHEAA (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These items reported by Capitalone Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to XXXX Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from Capitalone dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on Capitalone is lowering my credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Today  XXXX   XXXX  I spoke with a   XXXX    Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him  XXXX  had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but   XXXX    has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a home mortgage with Chase for the past 4 years. They have never calculated the impound accounts correctly and cycle back and forth between shortage and over-payment. This in itself is simply a nuisance and probable means nothing, but this past year I got upset and called them in reference and a better explanation of what was going on, and I believe I was lied to. They not only charged us the annual calculation of taxes and insurance but they added a two month premium on and above the annual total based on the " SRTR '' ( sorry this acronym may not be correct as they would not repeat it because I insisted on knowing more about the regulation - and formally requested a written copy of it ) rules. For both - this equaled nearly {$750.00}. I asked for a copy of these rules and also requested a clarification of who the is regulating agency is, and at least a conversation with anyone who could tell me what the acronym stood for. After spending a lengthy time on hold ironically my customer service agent was not able to find anyone that knew anything about the regulation, or who is the regulating agency. 
In Summary, I believe Chase has instituted a policy to hold XXXX additional months of escrow on all their mortgages - my rough calculations based on internet information leads me to believe they are holding nearly XXXX XXXX dollars every month that belongs to their mortgage customers. FYI - I did not finance with Chase they purchased our mortgage from our original lender so I did not agree to this policy. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: CFPB I 'M GOING TO NEED YOU TO STEP UP ON YOUR GAME AND INFORCE THIS MATTER.DO NOT DUPLICATE THIS DISPUTE NEW DISPUTE Good Morning Experian I would Like to take the time to Thank you for your investigation That you completed for me Regarding XXXX But However I totally disagree with your finding you stated in your results summary That I supplied you with the wrong account Number how is that possible? when I sent you about 25 disputed in the past each time you stated that the information was Verified and reporting correctly. This goes to show that you DO NOT VERIFY ANYTHING. This is why I have been asking you to send me the a copy of ANY original documentation ( consumer contract with my signature on it ) with out this information YOU DO NOT HAVE THE RIGHT TO REPORT ANYTHING ABOUT A CONSUMER! FCRA 609 ( A ) ( 1 ) ( A ) AND 611 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT. Back to SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELTE ALL INFORMATION WHICH CAN NOT BE VERIFIED.. 
RIGHT NOW YOU ARE IN FULL VIOLATION OF 616 & 617 BECAUSE YOU HAVE FAILED TO COMPLY! 
I also contacted XXXX On Saturday the account that you are reporting has no ties to my name. How did you verify it is my questions. Once again Experian I asked you to Please deleted the following accounts below.. 
XXXX card XXXX XXXX XXXX XXXX - Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account XXXX THANK YOU SO KINDLY 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 03/24/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Using a debit or ATM card

Complaint: My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, I have several outstanding loans with Navient. One particular private loan with an outstanding balance of approximately {$24000.00} has seen some unusual activity whereby the amount of interest charged was significantly higher with no reduction in principal for some months. For example, my rate is usually 5.5 % variable but there were some months where the annualized rate spiked up to as much as 8 % and then the next month it would return to normal levels. This sort of activity happened several times over the past 5 years. This makes no sense considering interest rates have been extremely steady. I need to know exactly how my interest rate is set every month ( Libor? What 's the spread? ) and why on some months, only {$1.00} of my {$160.00} payment went toward reduction in principal. I 've never incurred late fees since 2011. 

Please see attached the file containing the prior history of payments. Note under Column I is the annual interest rate which as you can see is very high. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.

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