milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with POPULAR BANK (FL).
Issue: Getting the loan

Complaint: Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.

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 04-08-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Federal student loan) with Allied Interstate LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Continued robo-calls to old telephone number belonging to family member ; I assume they 're attempting to collect a debt which was paid in full 7 years ago. These calls do not state the caller 's name but "  Navient '' a ppears on  Caller ID. These  calls only state " call  XXXX   (  number varies ) ; no further info is provided. Sometimes the number provided for a call back is only  XXXX  digits so is an incomplete telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with MOHELA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Years ago I was a victim of Identity Fraud. Someone tried to obtain credit cards under my name and social security number. The credit card company realized there was something strange about the request and the cards were never issued to the requester. The police in XXXX Ohio were contacted and checked the address on the application and it was a XXXX XXXX XXXX. I have NEVER lived in Ohio. I have lived at the same address in XXXX XXXX, MA since XXXX 1978. I would appreciate having that fraudulent address removed from my credit history. Thank you ... XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint with your agency because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: I became delinquent on my account while I was in XXXX for XXXX treatment. Because of my condition I had a very hard time keeping my bills straight. During my 5 months of XXXX my father and grandfather died. I was under so much stress and fighting for my life. Once I discovered my account was delinquent I contacted Capital One and paid my account IN FULL. I spoke with them about what had happened. They agreed to not report my late payments. They closed my account and opened a new one. However, they have NEVER stopped reporting the negative account even after the assured me they would stop. In fact, for months they were reporting XXXX accounts - both negative! For over a year I have been sending them letters and they refuse to address the phone conversations I had with their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed " Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this " XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named " XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any " Educational Products '' or " Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (WV).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: The credit account was opened, in XX/XX/XXXX after a solicitation was sent to my home address. there was a required processing fee and annual fee, that came directly out of the initial credit limit of {$300.00}. The first months payment was made in full, and on-time XX/XX/XXXX. An automatic payment schedule was created, to pay the entire statement balance that was to take place before the due date, of the XXXX of each month. After using the card, and accumulating a balance due on the XX/XX/XXXX bill, I continued to check to see when the automatic payment was going to take place. On the XX/XX/XXXX, I checked, and did not see the automatic payment going through, so I made a payment using my debit card, to ensure no late payments on the account. Shortly after making the debit card payment, I received an email, stating that the automatic payment was going to take place, and that there was nothing I could do to pay it. two payements were made, in the amount of XXXX on XX/XX/XXXX, which over-paid the account. 

On the XX/XX/XXXX, I checked my account, and noticed that NONE of the funds I had paid, were available, to find out that the accounts restricted as a result of the overpayment. I instructed the company to close the account, and send me a refund. They stated the account would be closed. I called back 3-5 days later, to inquire about when they would be sending me a refund check for the overpayment, to find out the account had not yet been closed. the funds from the ACH automatic payment, had not been verified, and took up to 21 business days. after a long phone call, I was finally able to get the to verify the funds with my bank, who verified that the funds had come out of the account, and could not be reversed. customer service stated the account had been closed, and that the refund check would be sent out. I have called no less than 5 times since XX/XX/XXXX, to inquire about the account being closed, to continue to get different answers about the account being closed, and a refund check being sent out. some have said it takes 30 days to be sent to accounting and 30 days for accounting to issue a refund check, and some have said 14 days total.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX closed my account without telling me the reason. I have been with them for 6 years never missed a payment, always been on time. I went to use my card and they told me my account was close. I would like to know the reason

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 Credit reporting () with Credit Karma, Inc. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent 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 04/19/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My bill is covered by medicare and medicaid pheonix finacial has called me several times and beathed into the phone and hung up. When I called them back and they answed the phone they did not state the name of the business until I asked. I told them someone had been calling and hanging up on me. THEY TOLD me I had a bill from the physicians at the emrgency room that I refused to pay and I told them it was covered by medicare and medicaid I had given them the numbers and could again they hung up on me. They said they were sending it to collections over several weeks they called and hung up on me. I thought someone was harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

Thank you

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 08/31/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me almost every day. I do not have the means to pay them right now. For them to continue to call and harass wo n't make me have the money.

Company response to consumer: Closed with explanation