milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: I received Courtesy call from Capital One on XX/XX/2017 at XXXX.I was informed that I was speaking to Customer Service , Representative-XXXX, EID # XXXX. I was confused in receiving a courtesy call concerning, a late payment of {$58.00}. When I paid, a payment of XXXX on XX/XX/2017. At time of making this payment, I asked the customer service representative-XXXX when are the payments due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the payments amount of {$25.00}. However, I received Capital One Card on XX/XX/2017. I begin using the card in month of XX/XX/2017. I applied for this card in rebuilding of my credit, so making my payments, correctly and on time is very important to me, in establishing my credit. Anyhow, I received conflicting information from XXXX, stating a payment of {$25.00} was due in XX/XX/2017. I stated a payment was paid of XXXX on XX/XX/2017. Then XXXX, stated a balance of {$8.00} and missed payment of XXXX for XX/XX/2017, plus payment of XXXX ( increase payment due transactions applied in XX/XX/2017, in reaching my card limit of {$300.00}, with a later fees of {$11.00}? ) .I immediately, ask to speak to supervisor. I was on hold for 5-10 minutes, I then was introduce to a supervisor, name ; XXXX, EDI # XXXX. XXXX, stated conflicting information from XXXX. XXXX stated the payment made on XX/XX/2017 of {$50.00} did n't go through and was therefore a missed payment also, no payment was due for month of XXXX? The payment was paid by Master Card/Debit Card through XXXX Prepaid Master Card. This is card reflects, my direct deposit and where my semi-monthly pay checks are deposit. I get paid on the XXXX and XXXX of each month. Therefore, the funds for payment of {$50.00} was in the account. I asked, why am I being notified on XX/XX/2017 about the {$50.00} missed payment. I was given, a poor excuse of a business practice and customer service, due to billing cycle, the missed payment was register on XX/XX/2017. As a problem with payment, then the account was place in call dailer to contact me with courtesy call. Concerning, my payments being 7 days pass due, however within 30 days of not being reported to credit bureaus. I informed XXXX, again this is poor business practice and unsatisfactory customer service. At least, Customer Service and Supervisor, should have the same information to be reviewed and stated to customers. I am sadly, disappointed with Capital One. I 'm requesting this matter be reviewed and addressed, so know one else will become a PREY in wanting to rebuild and establish a better life by being credit worthy. My Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I contacted Wells Fargo regarding a purchase from XXXX XXXX for a vehicle that I rented which did not meet my expectations. Issues with the vehicle included faulty unsafe equipment, AC that did not work, and ultimately vehicle suffered a mechanical malfunction. XXXX had been notified through their consumer relations department and through two separate XXXX XXXX XXXX complaints. ( Complaints XXXX onXX/XX/XXXX, and XXXX on XX/XX/XXXX respectively ) Wells Fargo was contacted on XX/XX/XXXX and instructed to place a stop payment on any XXXX transaction. They were given card numbers, and pertinent details regarding the matter. Additionally, they were contacted again on the XX/XX/XXXX and given a specific dollar amount to add to the stop payment order. On XX/XX/XXXX, the transaction in dispute posted to my account in the amount of {$1100.00}. On XX/XX/XXXX, I was informed to file a dispute to the transaction. Upon speaking to the dispute representative, I was informed that I did owe them money, that I did purchase a product from them. Wells Fargo is not the moral adjudicator for my financial dealings, nor do they have sufficient information to determine whether XXXX honored their portion of their obligation to me. Wells Fargo did not act within the scope of their obligation on my behalf. Wells Fargo did not honor the stop payment requested by me on two different occasions, and Wells Fargo did not act in good faith on my behalf, their customer. The representative simply read XXXX invoice ver batum. I was under the false impression that Wells Fargo sought to assist their customer, not act on behalf of the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said "  No '' .     After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification.     The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that  they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act.     In summary :   1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's   representative contacted me after explicitly being told they can not contact me.     Further details available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was   XXXX    XXXX  .     Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Community Health Investment Company, LLC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: WE ARE BOTH XXXX AND WANT TO SUE THEM FOR VIOLATING SEVERAL CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NM).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

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 11/15/2017 about Debt collection (Other debt) with Midwest Recovery Systems (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX has posted the same debt twice on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with First Data Corporation (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: I attempted to dispute open collections on my Equifax report - confirmation number XXXX. I did not receive a status update. when I attempted to check the status online it said pending, until it was close to the 30 day mark, then equifax kept on saying the information is incorrect and there is no dispute matching my records. I called them multiple times and was put on hold for hours. when I finally reached them they told me that the information is accurate and I can contact the collection agency myself. I informed them that I tried that, however the collection agency did not change its mind. this {$12.00} collection that 's stopping me from being able to buy a house was a doctor 's bill that was paid long before it went to collections and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was prescribed glasses and decided not get the glasses. So I never signed a contact stating that I would have to pay for the glasses once they are made, however they charge me for them anyone. Why should I pay for something that I do not have or need. Now it is on my credit report in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Payoff process

Complaint: Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). 
BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Credit line increase/decrease

Complaint: I have had a credit card with BOA for over 17 years ; and this is about the 10th time they have lowered my limit, due to me paying it off in full. We all fall on hard times, however, BOA takes advantage of their consumers. They lie about sending their consumers letters stating that they lowered their credit limit. This is the last time they will do this to me, I will play the {$1000.00} I owe them and close the card. I have always paid my bills on time, and I have most of my bills taken out automatically. However, with BOA, I have nothing but problems with their on line credit card service, either, I ca n't pay it on line, because of their system being down, or some other reason. Yes, I may have paid it late, however, in my defense, after taking care of my best friend who was XXXX for 2 years, there may have been a delay in going back on line to BOA because 2 days ago, I could n't get on line. My other credit cards, which I only have XXXX more, do not have a problem with their on line banking, my mortgage, XXXX XXXX XXXX, car payments are all automatically taken out every month. I have a score of above XXXX, and just because I paid BOA most of my credit balance, they checked my credit and lowered my limit from {$4600.00} to {$1500.00}. Now in my eyes this is deliberate, they did this a number of times to me, as soon as I pay off a big chunk or the whole balance, they pull my credit report and lower my balance. So, XX/XX/XXXX I had {$4600.00} in a credit limit, today in XX/XX/XXXX I am down about {$3000.00} in my credit limit. I have spoken to them and they gave me the story that they check credit every 6 months, well if they did that, about a year ago, they should have lowered my credit limit, as I had a tenant leave my home, I was neck high in bills using my cards and my score was lower than today. So, why not bring my credit limit down a year ago, why XX/XX/2016, when my scores are higher, and my bills are lower. I am so tired of BOA 's deceptive credit card practices, they need to be investigated, as on Consumer affairs, there are XXXX 's of complaints. I am not happy that BOA keeps hitting my credit, and I still ca n't believe that they lowered my limit due to me paying it down. Is it because they are losing money on me, no more ridiculous interest charges. Checking my credit and lowering it, make my credit score lower, and that makes me very unhappy, as I cherish my good credit scores. Because of BOA, if I need to apply for a leased car, which I have to in about 2 months, I will have to pay a higher monthly payment, as they will see that BOA lowered my limit, and makes a hard inquiry on your credit report.

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