milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A pay day loan listed as XXXX,XXXX is listed at Check into Cash on my credit report.I never took out that loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I initiated a balance transfer of {$10000.00} with my chase freedom credit card and the check for {$10000.00} posted on XX/XX/XXXX in my account. At the time of initiating the transfer the terms and conditions stated 12 months from check posting. Now chase customer service tells me that the promotional balance transfer expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Can't contact lender

Complaint: My intial debt was with XXXX XXXX. Unfortunately I was laid off and unable to make payments. XXXX XXXX was unwilling to set up any arrangements on my loan. I began to receive threatening calls at saying they were going to take me jail for check fraud. These calls came from XXXX XXXX. I called and reported these threats and nothing ever resulted. They continued to harass not only me but my references. Giving out " case numbers '' for my file and telling them I was going to be prosecuted and served. It got to the point I had to change my number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim )

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a documented 2 closed accounts with capital one that states on all three credit reports that i have viewed, that my acct. with capital One credit card was closed and a charge off. Therefore Capital one has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of Capital One and received a call from XXXX at Capital one Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (VA).
Issue: Managing the loan or lease

Complaint: I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is 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 05-10-2016 about Credit card () with U.S. BANCORP (VA).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a credit card. I was given a different ( inferior ) card than the one I applied for an was told, " oh, well, you should use this other card for 6 months and then you 'll almost be certain to get the card you actually want. '' There are several problems with this : 1 ) The marketing was deceptive. I do not believe they had any sincere intention of providing the card that was advertised. 2 ) A card and line of credit was created in my name, without my permission. There is a section in the terms and conditions ( attached to this complaint ) that states that I may be automatically considered for a card other than the XXXX I am applying for, HOWEVER, it states only that I will be considered for the card -- not that I will automatically be provided with XXXX -- AND it does so only under the section " Notice to Ohio Residents '' 3 ) There was no indication when I received the card that I was at all different than the card I had applied for. The credit card company was trying to pass off the inferior card as the card I applied for ( see attached welcome letter ). I was also not provided with a notice of rejection and the option to receive a copy of my credit report ( since that was the basis for the rejection ), as is my legal right. 4 ) The whole process has caused damage to my credit score, not only from the initial inquiry, but also from having to close the unwanted credit card.

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 01/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am being sued by Midland Funding , LLC. for a XXXX credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from Midland Funding , LLC shows in a statement that the account was closed prior the to the due date. 

Documents presented by Midland Funding LLC do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Not a duplicate. Must be delivered to each Credit Reporting Agency. On XX/XX/2017 I disputed an erroneous account appearing on my credit report. See CFPB case # XXXX. The line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery associates claim I have a debt from XXXX XXXX account. I never had a credit card from XXXX XXXX ( credit card ). This was reported and showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TN).
Issue: Taking out the loan or lease

Complaint: Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.

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 08/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XX/XX/2016 I received an offer via mail for the XXXX XXXX Card and it appeared as a good deal with low interest rates. But once activated the company hit me with undisclosed fees and upon trying to close the account the company would not allow me to. But rather continued to charge me their fees and not allow me to close and to this day report negative info to my credit reports. And now they have also sold account off to a collector named XXXX XXXX XXXX making it even worst and Then when I filed the first complaint with CFPB they stated that the account is not theirs, but yet they continue to send me statements wanting payments. I have also filed a Complaint with the State Attorney and the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Loan modification,collection,foreclosure

Complaint: this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!

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 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX XXXX 2016 I applied for an Income Sensitive Repayment Plan and transferred my financial information using the IRS web site. I never received any further information about what my payment would be and began receiving emails informing me that I had hundreds of dollars worth of payments that were due. I called Navient to find out what was going on and was told that they needed more information. I was given the number for the student loan help line and was told to contact them. I was then asked if I wanted a forbearance to take care of payments in the meantime. I said that I guessed so and called the help line. They told me that Navient had all the financial information needed and had received it on XXXX XXXX. When I called Navient back with this information my calls were either dropped, I was disconnected, got only static on the line or got a non English speaker that I could not understand. After more than an hour spent trying to get through, I gave up. My forbearance is good until XXXX and today I received an email telling me that my payment for XXXX is over {$600.00}. Any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been trying to contact XXXX XXXX, XXXX. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX, XXXX. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent to the credit company a demand letter and it was not properly investigated.

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