milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: I had an US Airways card with Barclays and have not carried a balance in years. I missed the statement that had my annual fee and they subsequently charged me XXXX late fees and interest on an annual fee and compounded interest on the late fee, this violates Reg Z and CARD Act. They reported me 120 days late and have caused severe damage to my credit report. Again, no purchase was made it was all money compounded on a {$75.00} annual fee that came out to {$250.00}. I have paid this because at the time I did not understand my rights, I want a refund and all late notices removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I originally took out a loan through XXXX XXXX under circumstances I was n't properly informed. I began paying them directly after I left college without a degree, slowly but surely. Years later, my service was switched to Navient. Unaware of any ability to stop this, I then continued my payments with Navient. After several years of payments, my principal has n't budged but instead it has increased. Unfortunately, I have not kept any original loan documents and can not afford a lawyer to review my documents. But I have continue try my best to make payments. After suffering a recent job loss, I am now receiving non stop phone calls to phone numbers I have removed from my contact information. My family who was previously listed only as references are now being called repeatedly and receiving letters in the mail. I am sure this is to embarrass me and make me feel pressure to not pay one month late but I never provided Navient any of this contact information. Luckily, one of my family members sent me the letter she received. It appears they have mailed all of my contact information including address and phone number. I am now concerned this letter was also sent to an individual I have a restraining order against and there is no way for me to find out. Please point me in the right direction of any help I may be able receive in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on   XXXX   My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  XXXX   XXXX  closed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XX/XX/XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo  response : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We want  ed to speak with you directly but were unable to connect with you at the phone number ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active   Foreclosure '' as my home was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo  while I was going though their modification process? yet another false statement.     3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells di  d not try too hard to reach me as I called their POC  XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned    XXXX   XXXX   XXXX    letter to me in response to my complaint and left numerous messages and contact numbers?    5 )  If  Wells Fargo does not wish  to resolve this issues amicably then I will have no choice but to use this very loan that  Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.

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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.

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 01-05-2018 about Debt collection (Auto debt) with Home Credit Corp. Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Home credit should not be on my credit file ... my auto loan was taken from me right after they received my payment.. they have been threatened me for a long time saying a owed this bill.. I file for a divorce and the car actually was used my ex wife and instead of making payments she let the car get repossessed ... I have filed a police report stating that my ex wife didnt agreed to my agreement.. and that I shouldnt be responsible for her missing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Around XXXX XXXX, 2017, I signed up for a Ann Taylor XXXX in my local XXXX Alabama store. I was told the XXXX account would be automatically merged into my existing Ann Taylor card account with Comenity Bank. I went online to pay my card balance and it was not reflected in the balance. I called customer service and was told it 'd be resolved. Within two weeks, I started receiving harassing phone calls from random unidentified numbers. They never left messages. I would 've responded if they had left a voicemail. The frequency of calls increased within another week from 2 phone calls a day to 10-15 a day everyday. They always originated from a Caller Unknown Number on my cell phone and never left a message. Finally, out of pure exasperation, I answered the tenth phone call today on XXXX XXXX, 2017, from an Unknown number. At first, there was no answer but then a woman asked for my name and said she had official business. I asked from whom and she was reluctant at first to say whom. Finally she stated she was calling from Comenity Bank, claimed I was late and demanded I make a payment immediately. I explained all the aforementioned issues. She said that it wasnt her department and that I needed to make a payment tonight. I said I did n't feel comfortable giving sensitive payment information to someone I couldnt verify over the phone, and demanded that the robocalls stop. She said they would n't and she did n't have any control over that. I again explained that my accounts were never merged and that I never received notification of non payment. She still insisted I pay over the phone even though she never verified her identity. I said I would call in the morning and make a secure payment through a verified customer service line and agent. She told me the calls would n't stop until I made a payment. Frustrated and trying to explain that the issue was theirs, I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MO).
Issue: Application, originator, mortgage broker

Complaint: I started a streamline refi with Freedom mortgage on XXXX XXXX it is still not done they have done nothing but string me along asking for everything under the sum

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 05/24/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Credit decision / Underwriting

Complaint: My family wants to build a home so we engaged US Bank to get a construction loan. 
we got approved for $ XXXX and later upgraded to $ XXXX as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. 
Despite the XXXX approvals, XX/XX/XXXX I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Contractor ). I wrote the bank a letter and they did n't respond either. I believe that they did n't act in good faith, and in fact they denied my loan with no good cause. I have lived in the same residence for 4 years in XXXX XXXX. All my correspondence with the bank has been from this address. the other apparent reason for the denial is adverse credit. this is a bogus statement because my credit is close to XXXX the loan to value is about 60 %. the loan officer said I could qualify for much higher loan based on my ratios.

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 08/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since its inception in XXXX, I have made monthly, on-time, payments on this loan, As of XX/XX/XXXX, 27 of those payments have had no amount applied to the loan principal. These interest-only payments total {$16.00}, XXXX. I have tried several times to get an explanation from Navient over the past 2 years, with no response from them. My latest attempts occurred today when I tried twice to send an email about this issue. Their website only responds with an error message that asked me to try again later. I tried reconciling the account using various amortization tables, but nothing matches their figures in any permutation. There is no reason that a lender would fail to apply payments appropriately to both interest and principal unless it is managed very poorly, or is a scam. Either way, I feel that Navient is ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! 
Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NM).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On the night of XX/XX/ I was looking through my mail when I noticed an envelope from XXXX XXXX XXXX, having a credit card with I opened it immediately. In said envelope was a new credit card I took it off the paper and turned it around and I looked at the name, XXXX XXXX, was the name on the card. I have no idea who this person is, I have never even heard that name before. I then called XXXX XXXX XXXX to find out what was going on. On the line with them their automated machine told me had a balance of XXXX, I was completely floored. I then tried cancelling all cards linked to my account, which I thought was only one, the one I applied for. When I was finally able to talk to someone, she transferred me to their fraud and protection department. I spoke to XXXX and she told me that this person authorized themselves on my account using all my personal information. XXXX XXXX increased my credit limit to XXXX the same day and ordered a card for herself. XXXX also told me that XXXX purchased XXXX on XX/XX/. She also told me that this person actually called twice once at XXXX and again at XXXX on XX/XX/. The conversation ended with XXXX telling me to contact the credit bureaus and to put an alert on my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX. Please do not delete my XX/XX/XXXX account as it is not being disputed because it is closed and reporting accurately. My XXXX account balanced updated by my credit limit did not. My XXXX credit limit is {$17000.00}. My new balance updated to {$410.00} but my credit limit did not. This is affecting my utilization by {$5000.00} as I am sure the bureau is extremely aware. If the new balance updated, how and why was the new credit limit missed?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus, Experian,  XXXX  and  XXXX . I have requested that the information be removed due to per Texa s SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search 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