milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Credit line increase/decrease

Complaint: Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Payday loan) with National Principal Group, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collectors called family members and people I no longer have contact with. Threatening tone. Would not give me any information about this so called debt, and kept telling me that I needed to pay. This debt is not legitimate, and all these collectors did was try to embarrass me by contacting my family and old friends, making it sound like I had a warrant on the run.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had recently put in a complaint via your website because of some injustices that I feel had been going with my loan servicer, Caliber Home Loans. Previously my file was not being reviewed properly or was getting dropped out of review because Caliber claimed that I was not sending in documents, when in fact I had been. In addition, Caliber has been running a duel process of having my file in review along with active foreclosure sale dates, which I have been told in California is not legal to do. I recently was declined again XX/XX/XXXX, due to low income, so I resent a new application showing over a 40 % increase in income ( I am self employed so my income can increase significantly ) XX/XX/XXXX and last week I was told that my sale date was on hold and that my file was in review. Today, XXXX/XXXX/15, I call for another update and have been told that my file was declined on XXXX/XXXX/15, only XXXX days after I emailed my documents and that my sale date is now on for XXXX/XXXX/15. I spoke to the rep and they told me that they used an income of over {$7400.00} against only {$5500.00} in debts. How is it that my debts are excessive if this is the case. I have also expressed that I am willing to take a higher payment than my previous payment because I just want to get back on track. I do not have enough to bring my loan current and I keep getting told that they can not modify my loan because I already have 2 %.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank will not accept my payment on my safe deposit box in their XXXX Branch in XXXX XXXX, which I have submitted twice through Chase online bill pay and now are charging a late fee for nonpayment. 
The box is located in XXXX XXXX but as I now live two hours away in XXXX I have paid online twice. 

1st I sent the payment through chase online bill pay to the same address I 'd used before and where it had been accepted previously. That check was returned as they claimed they had no account. 

I next talked to customer service who directed me to send it to a 2d address and assured I would not be charged a late fee. So paid again through the chase online bill payer but to the address given by customer service but the check was again credited back to my account as not accepted. 

I called customer service again and was told to pay directly to my XXXX branch where the account was located. I Received a bill with a late fee so called that branch and was told they could not accept the payment either mailed or online as would have no way to credit it properly. 

So again I called customer service and spoke to a representative who knew nothing and then a supervisor who told me the only way to pay it was to either drive to the XXXX Branch ( which already said they would not accept the payment and would have no way to credit it ) or to an XXXX Branch in XXXX, an hour away from me. Based on my conversations with the branch this information is incorrect also and it will be a wasted trip. 

So, I now have an overdue bill and late fee and no way to pay this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Managing the loan or lease

Complaint: I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal. 

On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal. 

On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting. 

I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Balance transfer

Complaint: I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was faithfully paying my mortgage payment from the time BBVA Compass started my Loan Modification- Trial Period last XXXX XXXX, 2015. No missed mortgage payment. BBVA Compass practices of Debt Collections, are not serviced accordance to the financing law and practices. BBVA Compass forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment to {$750.00}. as I usually paid & evidence copy coupon attached from BBVA Compass as proof bringing from {$810.00} a month to my usual XXXX a month. 
I am asking BBVA Compass credit to my principal Loan for the extra of {$55.00} from the time they loan Modified last XXXX XXXX, 2015 up to the present for extra escrow charges and adjust and my mortgage payment back down accordingly. I will present the copy of Loan Modification Trial Period, in which paid and complied all 3 months payments. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (TX).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last  payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV Funding , LLC bought this debt from XXXX credit card for pennies on the dollar. They in turn continue to have multiple companies contact me regarding payment. I 've asked them to validate this on several occasions but did n't get any information back until I sent a complaint through BBB. I have requested to have this account deleted as I have no contract with them but they refuse. My now deceased husband 's cousin got this card fraudulently in my name. I am not responsible for any amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.

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 05-11-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CMRE Finance   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX  Dat e  XX/XX/XXXX  Dear C  MRE Finance  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in (   XX/XX/XXXX  )    on my   XXXX   report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA  authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Sincerely,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Payday loan debt) with CHECK INTO CASH INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX Card ), 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, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: in XXXX, I won a dispute by having " Diversified Services '' closed and removed from my credit report. After reviewing my report this morning with XXXX, the collections were RE-OPENED and RE-ADDED to my report. I know that this is illegal. I want the RE-CLOSED and Removed without me having to contact the BBB. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

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 11-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.

Company response to consumer: Closed with explanation