milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was behind on my payments to Santandar Consumer USA because I XXXX XXXX XXXX back the in Summer of 2016. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XX/XX/XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use Santander Consummer USA for any type of loan or banking needs.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Bankruptcy

Complaint: I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.

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 08/19/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I am not understanding Wells Fargo has done with my money I have sent to them. 
It seems I have too much due and I am frustrated with this procedure. 
I want to include a copy of all payments sent to Wells Fargo this year. 
Something is not correct.

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 11-01-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened a Home equity line with XXXX XXXX on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with XXXX XXXX  but not Home equity line. I have note them my new address at Texas, and they have send me the XXXX XXXX XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their XXXX XXXX XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from XXXX XXXX. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. 

Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. 

Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. 

I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Delinquent account

Complaint: CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this 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 non-monetary relief
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission

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 09/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I had an American Express Corporate Platinum Card through my employer. I paid a fee to upgrade the basic corporate card to a platinum card so that I could earn membership rewards. My card had XXXX membership rewards points ( redemption value of approx. {$1800.00} ) as of last check. My company canceled the card in late XXXX 2016 due to a pending acquisition. I paid off the remaining charges by mid XXXX 2016. I had a credit of {$570.00} that was, according to American Express, issued to me in the form of a check on XXXX XXXX, 2016. In my mind, the account was closed on XXXX XXXX, 2016, when the final credit was paid. When I reached out to American Express in late XXXX 2016 to discuss rolling my membership rewards over into another account, I was told that the rewards points had been forfeited. At that point, American Express told me that the rewards points were forfeited 30 days after the account was closed by the company, which was in late XXXX 2016. After many hours of waiting on the phone and submitting appeals, I have gotten the same answer : American Express is unwilling to replenish the points. This is a deliberately deceptive and abusive practice by American Express. It never notified me of its forfeiture policy, not at the time I opened the account nor at the time the company closed it. It did not send a reminder after the account was closed that the points would be lost. It never notified my employer about its policy, and my employer never notified me. Moreover, to arrive at its decision to eliminate my points balance, American Express selected an account closing date based on when the card stopped accepting charges rather than when the account activity was settled. Simple decency would say that American Express would remind the customer about the forfeiture. Good customer service would include having some flexibility to make things right when there is a mistake. American Express has neither. I believe this is a widespread practice, designed to disgorge points from unsuspecting members upon account termination. It has to stop. There should be mandatory notification of pending forfeiture of points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.

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