milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: This company has done a credit inquiry on me without my permission or knowledge causing a hard click on my credit file effecting my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My credit report shows a 30 day late mark for XX/XX/XXXX from Bloomingdales Store Credit Card. The bill was due XX/XX/XXXX for {$1500.00} with minimum payment of {$120.00}. 
I attempted to make a minimum payment before due date online, however the website kept malfunctioning, and as it turns out did not process my payment. I was only made aware of the issue when credit card representative called and notified me that my bill was pass due, at which time I made a payment of {$500.00} on XX/XX/XXXX. For several months after the issue kept reappearing with Bloomingdales payment processing website and I had to make payments in person at Bloomingdales store or call in to make sure payments went through before due date. 
I have been a good customer since XX/XX/XXXX, a black card holder with this store, and have always payed on time. 
I have attempted to resolve the issue with the credit card company however the issue has been in dispute since XX/XX/XXXX without resolution.

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 04-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX loans are XXXX years old!!!! Is there not a time limit for how long company 's can keep it on your credit report??? Also! I was never in the XXXX! I served in the XXXX!!! I have XXXX brother 's who served in the XXXX!!! I also never lived in XXXX, ca.!!! But!!! My brother XXXX XXXX did!!!! Also I do not owe anything to XXXX!!! They are lying to get another {$110.00} from me!!!!! My credit reports are frauds!!!!! Fraudulent!!!! A complete inaccurate, disgrace!!! Fix these reports and update them correctly!!! Its about time!!! You leave things on there forever!!! You believe anyone without proof!!! You ca n't even get my personal information correct!!!!!!! You even have me confused with my brother XXXX!!!! Or XXXX XXXX, who were in the XXXX!!!! Get it correct!!! The XXXX!!!!!! Please do your job, do n't just collect your paychecks!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Account opening, closing, or management

Complaint: I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: as of XX/XX/, 2018, capital one Auto finance has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( capital one auto Finance ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of Capital one Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Managing the loan or lease

Complaint: I really need help resolving the below issue. 
CPS finances a XXXX XXXX my wife I drive. 
I am a co-signer on a XXXX XXXX purchased in XXXX @ principal rate of {$12000.00} Our monthly note is {$320.00} My wife ( XXXX XXXX ) and I began payment of my car note of {$320.00} on time the moment the car left the lot. 
I took over full payments when my wife lost her job. Though I missed some payments down the line due to XXXX XXXX I incurred in XXXX, XXXX. 
I did not have a source of income at the time when I missed the payments. CPS is aware. 
I got right back on track and caught up with my arrears making the monthly dues but then I noticed my balance never seems to drop ( decrease ). Since XXXX, XXXX years later when the car is purchased at the rate of {$12000.00}, the balance of the XXXX XXXX is just at {$10000.00}. What is that!!!!! Could someone explain to me, please!! I do n't understand. 
I just noticed I have been paying a huge amount on interest every time I paid my monthly due of {$320.00}, and not much of a principal deposited on the car loan. 
Can you image, at some point out of the monthly due of {$320.00} I paid, CPS is only deducting {$70.00} as principal, and just assigning the balance of {$260.00} as interest. Something is not right here. CPS has, and keeps overcharging me blindly. Please help. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every year I can not get past Equifax 's ( PURPOSELY ) illegible s CAPTCHA, ( authentication challenge ) alpha-numeric box. I try 3 times unsuccessfully and the system then locks me out. This requires me to sent Equifax - by mail - a list of documents in order to receive my free annual credit report. I do not have this issue with XXXX XXXX or XXXX. I have lodged a complaint once before to no avail. CFPB has not been successful in dealing with this OBVIOUSLY and PURPOSEFULLY underhanded attempt to force citizens to the onerous task of mailing sensitive documents to them. The obvious reason is to get requestors to just give up and go away. I hold CFPB accountable for not fining or sanctioning Equifax. Otherwise this will never be resolved. Please respond with a corrective action detailing what, if any, pressure you can bring to bear on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a complaint with TransUnion because a tax lien that is over 7 years old is still on my credit report. XXXX has removed it, but TU and XXXX have not. They replied with a very unclear confirmation that there was a tax lien. That was not my dispute and they never addressed the underlying dispute reason. The system appears to be very automated and makes no sense. The only option at this point was to fill out a XXXX page form and mail it somewhere. No telephone number was provided either at the initial dispute or to challenge and contact them. Uploaded screenshot shows how poorly the reply addresses my complaint that it 's been 7 years since the lien was filed and paying it and having it released should not re-age the lien. All they offer me is basically the chance to go through their automated nonsense again. https : //onlinedispute.transunion.com/oda/dispute/forms/InvestigationRequest_Chester.pdf

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