milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with DISCOVER BANK (MO).
Issue: Transaction issue

Complaint: I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX and I entered a local bank to open a checking and savings account. I was told that I could not open those accounts because Charter One has a record of me with XXXX. I have never had any accounts with Charter One..I tried contacting them but was told that they were now Citizens Bank, and that they were n't in the state of Illinois where I reside. Apparently Charter One moved out of Illinois several years ago before being purchased by Citizen Bank. I would like for Citizens Bank to remove any entries from my XXXX report. I can be reached at XXXXXXXXXXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services : This company is claiming I owe {$220.00} for equipment and services to XXXX. 

I have never had a direct bill with XXXX, that was handled by my lessor, XXXX. I borrowed equipment at a cost of XXXX per month starting in XXXX, and that was returned by XXXX XXXX. 

The agency is requesting a receipt for the equipment saying that it has not been returned- I called XXXX XXXX XXXX 's XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX she said they do not have any information on this purported debt under my name. 

Also if this debt were to be true, XXXX has never contacted me before CCS started calling -- leading me to believe it is a debt wrongly created and sold/passed on to another collection agency. 

Credit Collection Services has no evidence of these debts, just XXXX lines reading : SERVICE AMOUNT XXXX VALUE XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Billing disputes

Complaint: I purchased furniture in XXXX. They delayed a portion of my furniture which caused me to want to cancel my order. In order to keep my business, they discounted my purchase and I took the portion that was available with me. The portion that came with me did not fit so I returned it a day later and was refunded the amount. The discount never reflected on the credit card while the return did, so even when I finished paying my card off and closed it out, they still show a balance and I am getting late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I tried multiple times with the company to discuss I did not receive a form by mail for need to renew annual renewal application for Income based repayment plans in 2017. Navient did not inform me that if I did not renew annual form I would be charged capital interest. Also, customer service told me " not to worry your loans will be forgiven in 20 years '' as an answer when I asked why I was not told initially. Furthermore, I was told " you can not do anything about it because it is the federal government who added the capital ''. I do not understand why I was talking to Navient if they state to have no control over interest. Clear communication is lacking with Navient and they did not disclose to me clearly the consequences and expected interest. I do not feel like I was given honest options just costly ones. And, I was not once told I needed to consolidate my student loans to qualify my payments for future forgiveness after a set number of payments. I read this online after I felt lied to and cheated by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Blue Global Media, Inc. (TX).
Issue: Getting the loan

Complaint: Hello my name is XXXX XXXX I have been filling out loan applications due to a hurricane that has hit XXXX Texas I am new to filling out loans online an I had someone call me due to an application i put on line. They asked for my online banking information I did not know I was not suppose to give that to them they said they were going to send me insurance money then deposit the loan i was very skeptical so I hung up An changed my online banking an I am going in the bank to change all my accounts as well but they have a copy of my drivers license and I am very worried they will commit fraud in my name please is there any help you can give me I do not want any crimes being committed with fraud in my name. The company is Eloan finance their numbers are XXXX area codes.

Company response to consumer: Untimely response
Consumer complaint received 10-05-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.

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 06/25/2015 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Filed with my XXXX lien bank, Susquehanna Bank, for a short sale over 45 days ago. They have not been responsive, nor have they scheduled an appraisal to date. Failure of Susquehanna to respond could affect payoff of my XXXX lien with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: I was applied and approved for a Capital One Platinum MasterCard. I received the card in the mail to my residence of over 21 years. When I called Capital One to activate my new card, I was informed that my account was flagged for possible fraud. I was transferred to a fraud specialist who told me I needed to send them a copy of Drivers License and provided me with an email to attach the copy. He assured me that someone would call me within 5 business days after the receive my documents. After about a week, I called to follow up and was told that I needed be patient as the account was still under review. I waited an additional 2 weeks to call again. This time I was told that they needed a copy of my ID ( front and back ) and I had to submit a new copy to them. I reviewed the original email they sent and it did not specify front and back copy of my id was needed. The rep I spoke to agreed that it was n't on the email and he apologized. I went ahead and sent them a new copy of my Driver 's License front and back this time along with a copy of my passport. Again I was assured that someone would call me back in about 3 to 5 business days. After about a week I called in and of course I was told that my account was still under review and to give it a few more days. I gave it another week and this time when I called in, I was placed on hold after I explained my situation to the rep XXXX who said he was in Florida. It was then that I was told that in addition to my drivers license copy, they also needed proof of residency and that I needed to send them a copy of a utility bill. I informed XXXX that I was never asked to send in proof of residency and that the email they sent me only requested a copy of my Driver 's license and the new email was n't very clear as to them needing a front and back copy. I even took it one step further and provided a copy of my passport. It seems that no matter what I do to, it will not be enough as every time I send in what is asked of me, Capitol One will change the requirement, miss-inform me and delay the activation of my account. XXXX claim to be a supervisor and would not transfer me to anyone else who could resolve my issue. 

I see several complaints from other consumers in the last 5 years over the same issue. Iam going t talk to my attorney to see about filing a class action lawsuit against capitol one. 

I am also going to file a complaint with who ever is in charge of regulating the credit card/banking industry. This is very frustrating and has to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (VA mortgage) with BB&T CORPORATION (PA).
Issue: Credit decision / Underwriting

Complaint: I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.

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 11/15/2017 about Debt collection (Other debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from RENT RECOVERY SOLUTION. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RENT RECOVERY SOLUTION in regards to this matter. The XXXX also instructed me to complete and theft affidavit through XXXX XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Advertising and marketing

Complaint: I get as many as XXXX calls a day from cardholder services. 
Some on my cellphone different numbers and ignoringdo not call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.

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 08-02-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CO).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this.

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