milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was checking my credit report and noticed this account was not closed which it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance

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 10/30/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Their system seizes up several times a day making a quick trade near impossible. The entire money balance, even if you are sitting on all cash, fluctuates wildly right in front of your eyes. Limit orders do not kick in and then they blame a " fast moving market '' even if the market is slow and records show that it crossed higher than your limit sell price ( if you were trying to limit sell for a profit ). Anything that goes against you in the system, they blame you - nothing they do is ever wrong according to them. 

On XXXX XXXX, 2010, they blamed fast moving markets for the now acknowledged technical glitch and refuse to reverse any erroneous trades. Each transaction has to be baby-sat because their system is weak and potentially very dangerously flawed or worse, intentionally corrupt. When first setting up the account, they shredded valuable documents that had to be all redone. That should have been a huge red flag. This caused financial losses.

Company response to consumer: Closed
Consumer complaint received 04/27/2015 about Credit card () with U.S. BANCORP (MD).
Issue: Advertising and marketing

Complaint: I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Medical) with Collection Resources, Inc. (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: one day as I tried to buy a home for me and my family the company I 'm dealing with get the home informed me that I have a medical bill in collection that I have to take care I did research and this and it came out to be when I had my daughter, I was sure I had medial coverage I called XXXX to get conformation that I did have XXXX during this time. I also made contact with women specialist witch i then started asking why i was been billed they then read to me a address they had incorrectly. a few phone calls and a schedule hearing to get a coverage letter saying I had medical coverage at this time. then I was told by XXXX to call he collection agency and let them know that I have a paper saying I have coverage and to XXXX them over the proof. so I did so I was then told to called the company that billed me and asked then to re bill me so Medicaid can cover this. then the women specialist sent me a paper bill instead of re-billing there for I went completely around again making phone calls to the Medicaid collections women specialist finally a couple weeks in I talk to a manger at women 's specialist who then said they can not help me because it would be just time filling and they could n't do anything about it I then told them this was not my fault and they had the wrong address they said this address they had they got it from the hospital I then asked if they had the address why could n't they get the XXXX information also. these people where not from my request the hospital called them in to help not me!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I started my debt resolution program through  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX , which included my Navient private loan. Initial contact by  XXXX  to Navient for this particular student loan account was initiated on  XXXX . Last contact was made in  XXXX . I have been receiving calls at least twice a day from  Navient  for the last few months to try and resolve this debt. On  XXXX / XXXX / XXXX , I spoke with  XXXX  from Navient, the account manager assigned to my account, and I had let her know that I am resolving my debt through  XXXX  and contact should be made through them ( my account profile reflects  XXXX  's phone number and mailing address for Navient to contact ). I also let  XXXX  know that if I am contacted again by Navient regarding this particular account, that I will file a complaint with the Attorney General and the FTC. She had mentioned that  XXXX  has yet to contact them. I spoke with  XXXX  on the same day and I was told by an account rep that they have been in contact with Navient and have already submitted the proper documents to initiate the negotiation process. Since  XXXX / XXXX / XXXX , I have received multiple phone calls each week from  Navient  in the month of  XXXX  asking me to still resolve my debt. I spoke with another representative today,  XXXX / XXXX / XXXX , and had stated again, that I am working with  XXXX  to resolve my debt and that all contact should be made through them. This is now harassment from them as they keep calling when I have respectfully directed them to work with  XXXX  for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX    XXXX    XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

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 03-12-2017 about Credit card () with JPMORGAN CHASE & CO. (DE).
Issue: Other fee

Complaint: I used my Chase issued Visa XXXX credit card a couple of hours ago in XXXX. My card product does not have any foreign transaction fees. However, after I came home a few hours later and now that I see the receipt on coming home, I see that the Merchant ( XXXX, XXXX, XXXX ) and their processing Bank ( XXXX ) and VISA XXXX have used a significantly unfair and LOW foreign currency conversion rate ( XXXX per USD ) versus the almost XXXX per XXXX USD. Per the VISA guidelines disclosed to me, VISA is supposed to use the BEST conversion rate on the day. Also, these entities have additionally charged me a 3.5 % Mark Up like a foreign transaction fee! My own Card company Chase does not charge me a Fx fee ; why is VISA, XXXX and XXXX adding on all these UNDISCLOSED charges to me? Please resolve ( Have ALL Merchants STOP this ILLEGAL surcharge ) and refund me the amounts ASAP. Chase Card Services is NOT in the wrong here at all, but instead it is VISA who has violated their terms and abetted such criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy  remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3  years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Deposits and withdrawals

Complaint: My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Home equity loan or line of credit) with TIAA, FSB (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Home Equity Line of Credit which was initially opened approximately XXXX when I purchased my home in XXXX, WA. The HELOC currently has a {$0.00} principal balance and has been dormant for many years. Since it 's opening, it has changed ownership several times with different lenders. 

I received a notice dated XXXX/XXXX/XXXX that Everbank had assumed ownership effective XXXX XXXX, XXXX. There has been no activity/service provided by Everbank. Nor have I received benefit from its use. 

I received a letter dated XXXX/XXXX/XXXX that since it was in the repayment period with no future draws allowed, Everbank would like to close the account and prepare a lien release. The enclosed documentation stipulated the {$0.00} balance BUT demanded a {$120.00} recording fee from me. 

Today, I contacted Everbank and spoke with 'XXXX XXXX, Client Services manager who was adamant that they were fees due me and stipulated by XXXX XXXX auditor/recorder. She gave me the number for the XXXX XXXX XXXX. I spoke with XXXX XXXX in that office. He shared that the Washington State legislature mandates that the collect {$73.00} + $ XXXXpage for recording the document. Any fees charged otherwise are set by the bank. 

My perspective? This mortgage was likely purchased in a package of loans by Everbank. Likely they would not have made that purchase without the expectation of profit from that package. However, for my mortgage, a small subset of that package, they have provided NO service and I have received NO benefit. Consequently, I see NO justification for fees to be paid BY me while no services have been received. I consider this a completely unjustified fee from Everbank. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

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 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. 

Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. 

Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX issues : 1. Took additional month payment and booked against " Principle '' not " Payment '' so stated online and in automated phone system I was delinquent, when in fact I was ahead of schedule. There is no option to allocation additional payment to your chosen category 2. I decided to pay bi weekly instead of monthly. They hold that bi weekly payment not applying to your account/principle/payment until a full months amount is recieved. Therefore they garner interest on that cash for thier business while charging me interest on the partial payment I have given them, but they do n't apply to my loan 3. When attempting to reach thier " Equity Acceleration Team '', to discuss the mechanics of a bi weekly payment, I was kept on hold 45 minutes between XXXX different customer service reps. I was then told when the rep tried to reach the Equity Team they get disconnected. Therefor I should call back. Basically they are either not staffing thier service lines during working hours, they do not resolve technical problems, or they do not answer on purpose. There are numerous reviews from others stating this happened to them. This is a tactic to delay the bi weekly payment option therefore mitigating the chance that I reduce my principle faster which would reduce NationStar 's interst/earning on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Money transfers (International money transfer) with SUNTRUST BANKS, INC. (SC).
Issue: Fraud or scam

Complaint: Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Unsolicited issuance of credit card

Complaint: We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.

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