milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: For years I had a Capital One Platinum credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account. 

Subsequently, as I always did, I sent a month 's full payment on the full balance due. 

Capital One subsequently charged me a late fee and an interest charge claiming the payment was received XXXX day late. 

I contacted their customer service, and was told that my account would be credited the late fee and the interest charge. 

The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges. 

Throughout this time, as I had always previously done, I continued to timely pay my balance due for goods and services in full each and every billing cycle, and as instructed by Capital One 's customer service I did not pay the interest charges that continued to show up on my account. 

After months of being told by Capital One 's customer service that the interest charges would be credited to me and resolved in a future billing cycle, Capital One 's same customer service subsequently said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months. 

During that same call to Capital One 's XXXX XXXX XXXX customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled during that same call. 

Despite the fact that at that time I had earned nearly XXXX XXXX frequent flyer miles on my account, I flatly refused to comply with the threat made by Capital One 's supervisor during the afore-referenced call, and she summarily canceled my account. 

Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon. 

Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles Her rash action was uncalled for, and grossly punitive. 

For further details, please see my XXXX XXXX, XXXX correspondence sent to XXXX XXXX of Capital One, which is enclosed with this complaint as a document attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my home on XXXX XXXX on a short sale. I called Bank of America several times after XXXX XXXX, 2015 to report that my bank account was showing that the loan was still owing and that a payment would draft on XXXX/XXXX/15. I was told repeatedly that everything was fine and that would n't happen. On XXXX/XXXX/15, the payment did come out of my bank account. I called immediately and was directed to my " case manager '' in the short sale process. She is the same person I had tried to get ahold of for weeks but kept getting to someone else. I did speak to her. She could not see the payment since it would post the next day for her to see. She scheduled an appointment with my for the next morning, XXXX/XXXX/15, at XXXX PST to call me. She never called. I called her several times to no avail. And as of XXXX/XXXX/15, her department no longer has voicemail. I finally talked to whoever answered the phone and asked for a manager. All of the managers were in meetings or sick or on vacation. I had to speak to a supervisor or something. However, he was not available. He did have voicemail. I left a message for XXXX XXXX and have never received a call back. Today is XXXX XXXX. So, I have had no calls returned in 12 days and my money has not been returned. I tried to go into my branch on XXXX XXXX also. The manager there tried to help, but ran into the same issues I did with finding someone who could help. After a week, she left me a voicemail saying she had finally spoken to someone and that they were working on it. That was XXXX XXXX. Today, XXXX XXXX, I tried to call XXXX again, my " case manager. '' Of course, someone else answered the phone, XXXX. XXXX could n't help me so he transferred me to XXXX in the loan modification department. XXXX could not help me either and had to transfer me to customer service. I was just on hold for 30 minutes with XXXX transferring me and now the phone hung up. So, I am at the end of my rope. I can not be on hold any longer. I am trying to move out of the property at this moment and ca n't waste hours a day getting transferred all over bank of America and still not get any help. Supposedly, the EFT transfer for future months was finally cancelled when I spoke to bank of America on XXXX, however, XXXX told me today that another payment is scheduled for XXXX XXXX. 
There was also a payment taken out on XXXX XXXX that perhaps should n't have been either. The pay off amount was calculated previously. I may have now overpaid by XXXX payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX  and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX  and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Have had my card turned off due to improper trasactions on card and have a new one on the way. However in the meantime have run out of cash to live. Food etc. But when i ask XXXX to temporarily turn my existing card on to access my funds so i can eat during XXXX they deny me several times. I am XXXX XXXX no car and cant walk and im being denied my own funds

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX account with Citibank on XXXX XXXX, 2015 to take advantage of a promotion -- fund the account with {$15000.00} and perform XXXX billpays for the first two months and receive XXXX Citi XXXX points. When I opened the account, I downloaded a copy of the " Promotion Disclosure '' ( attached ), which stated " [ t ] his offer is available to targeted Citi cardmembers who receive this communication and who have an existing ThankYou Member Account associated with their Citi credit card. '' I fulfilled the terms of the promotion, but Citi refused to honor it and award me XXXX Points. Citi says that I was not targeted for the promotion. But the terms of the promotion I printed out indicate that I was targeted as I received the communication of the promotion 's terms and printed them out. If Citi 's argument is that I needed a personal invitation to the offer, it certainly is a sophisticated enough entity to send out promotion codes that are unique to certain individuals. Instead, Citi purposefully used a generic promotion code that could be used by anyone. Citi then confirmed that I was eligible for the promotion and induced me to place {$15000.00} with them for months and incur several {$30.00} account fees, without honoring the promotion. 
I believe Citi should honor the promotion and award XXXX points to my account. 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 explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (FL).
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: free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is 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 monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.

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 01/24/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: 1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a XXXX 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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called   XXXX   to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to 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 02/13/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.

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 04-06-2016 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have submitted these requests for corrections to my credit reports, XXXX and Equifax , multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : 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, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (SC).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!

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 03-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for 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 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient keeps telling me that my bank account does n't exist even though I confirmed the routing number several times and went to the bank I have the account with who further confirmed not only the routing number, but the account number as well. Their only solution was to sign up for auto pay. I told them I am not signing up for anything until I get confirmation that they received my payment. I had tried to pay my monthly bill four times so far and they are claiming that they can not take the money from my account.

Company response to consumer: Closed with explanation