milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Late fee

Complaint: I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Good Day, XXXX XXXX, XXXX I requested that Transunion XXXX XXXX items from credit report. 
The items are for the same amount from the same company from same date. 
XXXX XXXX {$730.00} XXXX/XXXX/XXXX according to report ITEMS APPEAR TWICE!!! 

XXXX XXXX {$730.00} appeared on my credit report for no reason. I have never heard of them and have never recieved any notice from them and I have requested all from them. 
Transunion is aware of this and still will not remove. I am aware of companies doing this type of things due to the fact I was in a horrific car accident when a drunk driver nearly killed me in XXXX, medical bills were placed on my credit reports. In XXXX I was granted a very large settlement and all the medical bills where paid by insurance and removed from credit reports. I assume this a company that looks for people in this postion and hopes they will pay, I WIILL NOT PAY!! Please advise as quickly as possible. 
I have documention of all of the above should you require it.

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 11/13/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (WI).
Issue: Managing the loan or lease

Complaint: I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! 
Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My son 's PNC Bank account was fraudulently hacked by some one depositing a check in his account and withdrawing the money before PNC realized the check did not clear. Because my son is a college student and does not work so no money is deposited into his account on a regular basis, PNC withdrew the monies owed by this fraudulent check from my account causing my account to not be able to pay my rent fur to the bank taking my money. Heedless to say. this has caused me all sorts of financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I enrolled in SantanderConsumerUSA 's Auto Bill Pay. They did not enroll me because I requested to have them draft more than the amount due monthly. As a result, I was charged a $ XXXX monthly late fee. Additionally, the customer service agent was unable to assist, take a payment by phone without charging a fee, and was slightly more helpful than a robot. Santander has had the wrong date of birth on my account and more than twice has failed to enlist me in the auto bill pay which has forced me to pay late fees and have a 30 day mark at least once on my credit report due to my inability to log in online.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I 've been online for months on months, shopping around at different dealerships, auto sales places, auctions looking for a car. I do n't have a car or any XXXX family around, all are 2 hours or more away from me. I have been back and forth with my parents about getting a car so that I work and graduate from school. I finally saved up money and came to an agreement with my dad and he put up some money as well for me to get a car so I can get to my 40 hour a week XXXX and my XXXX hour a week job so that I graduate and pay all my bills. I have day in and day out doing the best I can trying to live right working full time, going to school full time, still trying to have life riding the bus depending on my friends for a ride. How stupid could I have been ; but I 'm so tired and I 'm desperate. I was taken advantage of I saw a post online on XXXX for a car and I responded. I got all the information and details and pictures of everything. The terms and conditions were sound to me, too good to be true as I came to find out. From the conversations I had with this person to the research I did on their XXXX page and XXXX XXXX I felt secure. I held up my end of the deal and followed the instructions given to me to provide payment via XXXX. Thinking back I was n't thinking straight I was n't thinking at all. I was told my payment confirmed and went to check and make sure that it still had n't been taken because that was n't the deal until I received the vehicle. I was instructed to wait for more information on the delivery and was told that I needed to provide more money to insure my delivery. My worst dreams were realized I immediately called XXXX who gave me the run around I eventually found out I was a victim of fraud. Hung up and immediately called the card company and was then told that the cards were as worthless as lost cash. After begging for their help I was told that the cards were used to purcashed items from XXXX and after cutting the cards off filing fraud theft stolen I cried and cried and cried some more. Then I called XXXX and spoke to the unknown charges department and they found the charges and were able to freeze the charges close the accounts. They told me to contact the police, contact my card company I did both and went back all the way to where it started contacted XXXX, XXXX, my dad, XXXX, XXXX XXXX XXXX, XXXX XXXX. I needed to make sure I covered all my bases notify everyone gather all my information for disputing these charges and getting my money back to me. A process I was told could take up to 60 days or longer. Perfect timing it 'll be time for me to be finishing up my internship with exactly enough hours and hopefully graduating. Pray for me. Please help me bring whoever did this to me to justice this is not right they ca n't get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX I requested for Trans union credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as Tran sunion with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XXXX I have not received those documents from the creditor either has Trans union. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA

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 07-03-2016 about Debt collection (Mortgage) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Struggling to pay mortgage

Complaint: I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in XXXX. My mortgage payment was {$980.00}. I went through all of my IRA and XXXX to keep up with my bills. I worked XXXX different temporary jobs for 2 years. Then I got a permanent part time position with less pay in XXXX that led to full time in XXXX XXXX. My mortgage is with Bank of America. I went through XXXX for a while and then went through XXXX. XXXX had my payments at {$470.00}. While I was making these payments, BOA listed me in foreclosure for 2 weeks. I was trying to work with Bank of America to get a loan modification. I went to the XXXX meeting in XXXX in XXXX XXXX to hopefully get a solution that day. BOA told me I was in underwriting for a loan modification, so they said nothing I or they could do. Few days later I received the loan modification paperwork. 
New payment {$1000.00}. I make XXXX an hour, have XXXX dependents, get child support for XXXX, and that ends in 1 year. I want to keep my house but there is no way I can afford this. I dont understand why Bank of America would tell me one thing, XXXX would tell me something different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with AFNI INC. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency.

Getting calls & letters.

The company also called my parents regarding this account.

Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was just reading an article about how Navient has been accused of steering borrowers towards forbearance instead of income based repayment plans, and this is exactly what happened to me. It was only in hindsight after having a co-worker inform me about the income based repayment plans that I realized I had been misinformed that forbearance or deferment were my only options. I also see from this news article that Navient is denying those claims ; however, you can add me to the list of individuals that were taken advantage of in this fashion. I guess when the rules say that the interest is capitalized back onto the loan if you ca n't pay in full, it incentivizes the lender to maximize it 's profits? 
I graduated in XXXX XXXX and was told that my student loan payment would be around {$570.00} per month, and did not begin paying until XXXX XXXX after 2 years of forbearance and deferment. I kept trying to figure out how I was going to stretch out the maximum numbers of years that I was allowed to defer, as that was the only information I was given by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I called Chase Credit Card Services several months ago to ask why interest was accruing on my account. I had recently done a balance transfer and was not aware of the implications on my grace period ( which I found out months later ). I was instructed to pay my purchases in full which were stated at the top of the bill. I pay my card on time and typically in full each month. The next several months I paid slightly more then the purchase amount at the top of the bill yet interest was still accruing. I called Chase today and spoke with the rep who clearly did not understand how the statements work - it started with pay your bill in full and after several holds as she needed clarification it continued with the minimum payment goes to your purchases and the rest goes to your balance transfer till finally after over 20 minutes she found out that balance transfers eliminate grace periods. I asked for the interest to be refunded maybe {$75.00} total as I was previously told something different. I then spoke with the manager who should not be in customer service. XXXX of the frustrations is that I was told they are charging interest on a figure that I can not see and that it 's a " long drawn out calculation that is done in the system ''. How am I supposed to know why I 'm being charged something if its not disclosed. After much back and forth with the manager it was clear that she was knowledgable enough to throw out terms but not knowledgeable enough to fully educate the consumer. Having been in finance for years this is not that complicated but the lack of transparency and not being clear on the statements is cause for concern. After much discussion I further inquired about the interest portion on the bottom of my bill and she figured out it was my average daily balance that I 'm getting charged interest on - again this makes no sense as these figures I was told previously by the first rep - ignore those and just look at the purchase amount. The second rep said they were the purchase amount ( no this is at the top of the bill ) and the manager stated this was the average daily balance ( not stated anywhere in the section ). I simply wanted to know what I was getting charged interest on and no one could answer this. When I asked for a refund of the approx {$75.00} of interest the manager said no even though it was my previous communication with the rep that stated I would n't accrue interest if I paid my purchase amount in full. She said they had already refunded my interest once before ( which they did the first time I called to find out why there was interest on my bill ). I 've been a customer for years and the lack of transparency, the lack of understanding on their own products and the deliberate, what feels like deceit, in allowing the statements to be clear about what interest in being charged on and why is incredible frustrating and leaves me feeling disgusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (AZ).
Issue: Incorrect information on your report

Complaint: Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.

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 11/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB

Company response to consumer: Closed with explanation