milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capita l One Closed my accou nt and started reporting negative credit information on me. All of this was done while they were telling me to pay the card. They charge me an exorbitant amount of fees that I disagreed with because they mailed invoices and notices to incorrect address but penalized me for there mistake. Moreover, their fees pushed my card over the limit repeatedly. Additionally they made me personally responsible for the card when it was a corporate card. Thereby, causing great harm to my credit profile, causing it to drop more than  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We have gotten numerous calls from  " Southwest Credit '' f rom  XXXX  asking us to call their number  XXXX . Caller ID shows the number as  XXXX   XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the  XXXX  number she talked with a "  XXXX   XXXX  '' that told her that they were trying to collect money for an address of  XXXX   XXXX   XXXX   XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated  XXXX   XXXX ,  2017 . We have never been in collections for anything in the past. I received another call from this number (  XXXX  ) today with a voicemail that stated it was fro m Southwest Credit and I  needed to call  XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (ME).
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: In XX/XX/2018 Discover Bank sent me a 1099-C, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a Discover Card in my name. SInce XXXX effectively canceled the debt by issuing the 1099-c, they can not report a balance or past due amount on my credit report. I disputed this through XXXX, which Discover verified the balance and past due amount, there by violating the FCRA as since the issuance of a 1099-c cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. DIscover is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My Nationstar Mortgage has let my home owner 's insurance lapse despite reporting otherwise. I am having to pay this in order that my home owner 's insurance not lapse. There is no issue with my payment on my end, they simply have not done their part. Very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE).
Issue: Fraud or scam

Complaint: Hello good day XXXX, this is XXXX XXXX XXXX XXXX, i tried calling your consumer care number regarding a transaction that i carried out me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE..XXXX XXXX XXXX .I sent {$840.00} to my son XXXX XXXX XXXX XXXX for his school fees in XXXX and the next morning he went to the agent location to collect this money and he found that the money was already picked up by somebody else over there who faked his ID and used another face to collect the money. 
After carrying out investigation on what happened over there the authorities explained to me that XXXX has just XXXX zip code that is XXXX meaning that you can pick up money in any city so far as the money is paid inside XXXX 
My son 's leave in another city called XXXX which is the XXXX and the money was picked up in the XXXX called XXXX but now the authorities over there in XXXX asked me to call XXXX over here to get the proof of payment and forward it to them to financial institution that paid out this money over there because this transaction could only be carried out by the Banker that controls that financial institution that has XXXX services and the Cshier in charge. 
So after calling XXXX for several days now they ask me to contact your bureau so that you people can call XXXX customer care of which i have their phone number here with me and the details of the transaction. 

They said they could only release this proof of payment through you people as im gone to XXXX now to meet my Grand Father if he can help me to get some money while following this investigation because school has already resumed in XXXX and my son is still stacked at home because the hacker faked his ID and use it in collecting the money with the complicity of the banker and cashier in charge, So im writing you people to help me out in order to get this solve and the the XXXX direction will give you people the NAME OF THE XXXX STORE THAT PAID THE MONEY, THE STATE, CITY, THE CODE OF THE BANK AND THE NAME OF THE CASHIER THAT PAID THE MONEY, ,This can be in form of a receipt as they said. 


Here are the details of the transaction that i sent to my son that day. 

Amount .. {$840.00} Reference Number ... ... XXXX Sender ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX 


My phone number is XXXX XXXX XXXX XXXX XXXX ... XXXX Thanks and waiting

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Back In XX/XX/XXXX I purchased various products from XXXX XXXX of XXXX, these were Licensed XXXX XXXX products with a 1 year warranty. {$610.00} Transaction ID : XXXX. One of the items was defective ; {$300.00} ; i tried in vein to either get replaced or upgrade or money returned by merchant and Manufacturer ( XXXX XXXX one in the same ) within the warranty period! I also filed a dispute claim within the warranty period with XXXX XXXX XXXX. Ironic is n't it! XX/XX/XXXX At first they said they could not find transaction ; XX/XX/XXXX convenient for them ; then they filed a second new claim for an improper amount on {$350.00} on XX/XX/XXXX. Then they had a fraudulent investigation for an incorrect reason for dispute with a answer from merchant dated XX/XX/XXXX Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX that they were reversing the provisional credit of {$350.00} and that I continue to work with Merchant to resolve matter. I have been dealing with Card Member Service who  on letter dated XX/XX/XXXX that they would report this to consumer reporting agencies unless I paid the amount listed above. ( Illegal under the Fair Credit Billing Act )? I have since had a conversation with the office of the president who said under XXXX rules my original complaint should have never been taken and that the two complaint are n't the same and blaming XXXX Rules ; while they offer me increased credit line and points plus giving away free XXXX 's every month but they XXXX XXXX XXXX US Bank ca n't make XXXX XXXX make good on my defective merchandise! My contention and legal question is even if they should have never took the original complaint or the fraudulent second complaint they devised they did and this alone nullifies any so called Rules or Regulations. We will be going to Court! I will not be paying this charge or any accrued interest attached to this charge!

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 01/20/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Problems when you are unable to pay

Complaint: I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them. 

My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off. 

Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them. 

Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance. 

Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!

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 01-12-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Managing the loan or lease

Complaint: I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (WY).
Issue: Credit determination

Complaint: Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, XXXX, 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 03/19/2015 about Debt collection (I do not know) with Capital Management Services, LP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Credit reporting () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n't understand why my score went down for paying off my debt as instructed by usaa.com'a credit monitoring service. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX   TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX   AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX   OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}

Company response to consumer: Closed with explanation