milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, I made a payment through t the Capital One website for {$300.00}. On XXXX XXXX, an automatic payment was made for {$1400.00}, because of a setting to " pay full balance '' or similar setting. This was unintentional, as the setting had been made months ago, when bill was normally under {$10.00} monthly. When I realized that this transaction was pending in my checking account with my home bank, I contacted Capital One to cancel the transaction or set up a refund. I was told that the transaction was already processing, and to contact them when it went through and cleared my checking account, that they would refund it for me. I called on XXXX XXXX when it was cleared from my checking account. I was told that the refund was processing and could be several business days. I then received a letter in the mail that the transaction was unable to be processed at this time, but to call if I had questions. 
On the evening of XXXX XXXX, I called, and was told that the reason it was declined or unprocessed was that my banking account number and routing numbers were not on file. I then provided this information. A week later, I still had no refund. Today, XXXX XXXX, I called checking on my refund. I was told that it was processed on XXXX XXXX, and declined on XXXX XXXX, but that it was because my bank declined it. I was advised to call my bank, but I was assured by them that I needed to make sure that Capital One had the correct routing number on file, and selected checking account to ensure proper transaction. 
When I called again, for the second time today, and fifth time contacting Capital One in two weeks over this issue, I was told that they just could not refund it, that it would keep getting declined, and did " not meet the criteria '' without any examples or answers on what this criteria is, for a refund. I just bought a home, my checking account is empty, I am paying over charges and fees for bills that I can not cover in my checking, and Capital One will not return MY MONEY to me, or provide a reasonable explanation. I closed my account with them, but I still need that money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy. <P/>I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient does not allow my to pay more than the minimum on my student loan balance each month through auto-pay. In order to pay more than the minimum, I have to log into the website each time I want to make an additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (GA).
Issue: Unexpected or other fees

Complaint: XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.

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 06/16/2016 about Debt collection (I do not know) with Lake Area Collections, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with National Enterprise Systems, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing 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 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by 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 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Around XXXX 2007, my son enrolled into XXXX XXXX XXXX, where we were directed to apply for federal loans through XXXX XXXX ( now Navient ), of which I received a loan of {$20000.00}. I began making payments to this loan six months after that. We have been making payments to this loan for around 10 years. Every year, the monthly payment amounts billed increased. We have been paying this loan consistently to this day. Due to our request for aid the monthly amount billed is {$150.00} per month. We keep in contact with Navient to keep it at an amount that we can pay based on our situation, which is only due to our efforts. The reason we are upset with Navient is because that the principal loan amount has remained the same, regardless of our payments, ever since we began this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I manage my credit regularly. I went on line to the XXXX agencies to dispute the items and the system they use times you out and you can not log back in to finish.. Equifax is the worst one.There is a XXXX credit card on my report it belongs to XXXX XXXX XXXX , I am not responsible for this credit card or am I a signer on the account, we do have a loan together for the XXXX XXXX XXXX . Also there is a reporting from XXXX on a returned check. That Item was paid in XXXX XXXX by a XXXX XXXX. I had to pay the debt in order to obtain a job in the insurance industry. Also there is reporting of a financial services collection included in a bankruptcy in XXXX, How can it be listed in the negative reporting as of XXXX if it was absorbed in a Chapter XXXX Bankruptcy in XXXX. Also the XXXX XXXX XXXX shows that my account was charged off. I fully paid the auto loan off in XXXX XXXX. I tried to file on line and via phone but find it is extremely difficult to correct my credit with these agencies. There is also a XXXX collection that is not mine. My medical records have been stolen and my Identity compromised. I have full medical and all my bills are paid 100 %. I have done my due diligence in trying to contact these agencies to file a dispute and it is extremely difficult. Now when I call or go on line it states the information I provided does not match their records. I believe I know who I am. Please advise on a solution I have been working very hard to bring my credit in order and correct all the items on my report. I am trying to qualify for a home and this is delaying my approval. Not to mention that my report in impacting my XXXX XXXX and trying to get my XXXX. Also it states my name is XXXX XXXX, I changed my name back to XXXX in XXXX. My reports should state formerly know as XXXX XXXX. I do n't want to be attached to my ex husband XXXX XXXX XXXX, he has a and continues to have terrible credit history. Thank you for you time in reading my complaint. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification. 
I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: One of main reason for me today to make the complain about my credit card is Chase Amazon Card look like fraudulent consumer. I have got the refund from the XXXX XXXX for XXXX ticket total of {$2100.00}. However, Chase Amazon did not post to my account till I have to make call in and was more than 30 days from the refund day. After that I used that credit back to purchase something and now credit balance is {$72.00}. However, I just checked it today and I saw it already used and name as " Credit Balance REfund " charge. 
Wow, could not believe that they never want to issue money back plus interest they hold my money refund and instead they took without any reason. 
This is not first time with the issue with my account, but it was happened so many time and I have recognized that Chase has been established Fraud Transaction for consumer account where they just want to keep money and not return it to consumer and double charge something unknown to consumer. 
I am strongly wanting to be investigate and bring the true to the light. As a consumer with Chase, I have made on or before due date and I deserved what I am being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.

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 12/17/2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.

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 03-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (AZ).
Issue: Problem when making payments

Complaint: On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX   and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (MA).
Issue: Managing the loan or lease

Complaint: In 2014, I had a car loan through Hyundai Motor Finance. I had an accident in the vehicle which was a total loss. My insurance took car of the balanced owed, but upon reviewing my credit report HMF is claiming I still owe them.

Company response to consumer: Closed
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient calls every day threatening severe action unless I call this XXXX guy back. XXXX the number he calls from and number he leaves me to call are bogus numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with BOK FINANCIAL CORP (NM).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either.
My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal.
I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?

Company response to consumer: Closed with explanation