milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address 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 explanation
Consumer complaint received 10-01-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX ... XXXX ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (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 XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, 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. 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 and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (VA mortgage) with LoanCare, LLC (WA).
Issue: Trouble during payment process

Complaint: V A Loan 3/1 ARM  2.375 % - with adjustment period ending  XXXX   XXXX ,  XXXX . Loan holder -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Utah,  XXXX  Loan Number  XXXX .   Loan Servicer  XXXX    XXXX   to date ; Loan Care   XXXX   XXXX    XXXX ,  XXXX   XXXX , VA  XXXX .   Loan #  XXXX .    Loan Servicer   XXXX   XXXX  to  XXXX   XXXX .  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NC  XXXX  Loan #  XXXX .   I never received required legal disclosure per  12 CFR 1026.20 that the  interest rate was going to change until  XXXX   XXXX . I was required to get notice at lea st 210 but  not later than 240 days prior to the adjustment period ending. This was also stated in loan documentation. I called  XXXX   XXXX  and they told me it was the loan servicer 's responsibility. I calle d Loan Care  and they told me told me to check  XXXX   XXXX . I reviewed of all documentation ever received from  XXXX   XXXX  and there was no disclosure. I sent certified letters to  XXXX   XXXX   XXXX  and  Loan Care e arly  XXXX  stating the rate needs to stay the same 2.375 % for at least another year.   I received a letter from  Loan Care  dated  XXXX   XXXX , received  XXXX   XXXX , stating the interest rate was going to change  XXXX   XXXX  to 3.375 %. I need help getting both companies to keep the interest rate at 2.375 % for another year and to ensure they send me the required disclosures on time in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For years I have issues with my Private student loan servicere XXXX/Navient. Just in the recent years, while working with Navient, I have gotten inconsistent information. There have been instances where I have set up payment plans via auto pay and the amounts deducted from checking account have been different from what I have instructed them to do. My payments have also been missapplied to my loans. I have more than one loan with Navient, some having different interest rates. My payments have been applied to various loans, different from what I discussed with the service rep. I have even had several instances of my checking account being overdrawn because an amount was debited incorrectly due to Navient 's error. 

Navient has also refused to offer realistic payment options based on my circumstances. In response to that I have done my best to make arrangements to meet their requirements within my means. It is very frustrating to stay on the phone for hours at a time discussing my options and making plans to meet their ridiculous requierments, and then they still make the " mistake '' of debiting the wrong amounts. 

Their website is misleading when it comes to repayment options. They have repayment options listed on their site, but when you call they say that option is not for my type of loan. My issue is that Navient has it nearly impossible not to default on these private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: There are two reasons for my complaint today but the main one is the release of my retired father as my co-signer. Im XXXX and Ive made on time payments for years, never defaulted and they will not release him. Why was a govt contract given to Navient who has a reputation of ruining the lives of their customers. 7 years ago ( when i was with XXXX XXXX ) I made a payment on my account as normal and then was harassed with multiple calls a day saying I was default on payment. I explained I had paid and they said the payment was over two years late?! I asked how this possible and also how is the first time Ive heard of this since Ive been making my payments on time monthly all this time? Turns out 2 years prior, I didnt pay, even though their website said no payment was due. Ive found out this is more common than I thought. Many people have the same complaint. Release my father as co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!

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 10/26/2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX a creditor debited my account for {$270.00} which cost me an overdraft. I called the bank and told them what was happening and the were refunding me. Before I could get refunded the company debited my account for another {$270.00} on XX/XX/XXXX. So on XXXX XXXX I received part of a refund and then the rest on XX/XX/XXXX. At that time I had talked to the bank 3 more times explaining the situation. The last time they refused to go to XX/XX/XXXX where the problem started so they could keep my overdrafts. There are XXXX overdraft and XXXX extended. I would be {$830.00} in the black if they refunded all. They refunded XXXX, which did n't get me from overdraft. Do n't they have to keep correct books on your accounts? Or can they just take what they want when they want. Everything that is social security direct deposit and I have gotten paid twice @ {$1300.00} each. The have gotten all of that and I am still overdraft of {$640.00}. I would like for everything to go back to XX/XX/XXXX and replace all the money they took with malaise of forethought for a struggling XXXX on XXXX. They were causing me terrible stress because I missed 2 payment of my car and the company was going to repo it. I hope you can help me I have no other place to get 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 monetary relief
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Claim  XXXX  was opened on  XXXX ,  XXXX   XXXX   XXXX   XXXX . This transaction was paid through  XXXX , the package arrived with item missing from it. The merchant did not include the item prior to shipping, a mens wallet.   XXXX   will not refund, they will only reship the item which is no longer wanted.They advised me to dispute charge. I attempted to dispute charge through  XXXX . however, claim was closed by mistake and refuse to re-open it or do anything further, I was advised to dispute charge with my bank which is Suntrust. A claim was made on  XXXX , however, nothing has been done. Suntrust reps, which are outsourced to foreign countries like  XXXX , are of no help and only state the claim is in progress. They verified affidavit was received, still nothing done as of today,  XXXX . The transaction has overdrawn the account and received  XXXX  insufficient funds fees on  XXXX  and  XXXX  because of it. I need credit for transaction as well as overdraft fees mentioned

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 06/29/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. <P/>Thank You, 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 05/30/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.

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