milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have transmitted Affidavits, including certificate of Authority and a Factualized Trust to Capital One Auto Finance via Registered Mail As of date, they have failed acknowledge, respond or attempt a resolution for this matter but continue to leave threatening message on a daily basis. 

I have attached some documents I have sent to Capital One Auto Finance, please supply a secured email to provide all documents. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have two accounts - personal and business. I have also a credit card from Bank of America. XX/XX/XXXX was the due date of the credit card. I deposited {$110.00} the same day and made {$25.00} dollars payment towards the credit card, later that day. I told an employee of the bank that I deposited {$110.00} and not to charge me any fee. She told me that she could see the amount but she said, '' it is not posted, your are not going to be charged late fees ''. Meanwhile, I transferred {$12.00} or {$11.00} dollars from one account, in case to avoid late fee charges. 
On XX/XX/XXXX, I called credit card unit of the bank and asked the reason of the balance never reducing, in spite of my regular payments. 

A lady told me that my credit card balance is not reduced, because, '' first, there is a late fee, second, out of $ XXXX monthly payment, {$10.00} is interest charge and the rest {$15.00} reduces the card balance. '' My argument is this : The bank confirmed that there was a deposited check of, {$110.00} that day, on XX/XX/XXXX, but added a late fee. The reason was the bank did not post the depot, the same day, and I was charged {$25.00} dollars late fee. I think, it is unfair and unreasonable to penalize the customer for its own short fall, not posting the deposit. 
I am writing this, it is not because of {$25.00} dollars significance but, to bring to the surface the absence of fairness and good business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been reporting to credit bureaus claiming that I owe a debt that I have no knowledge of. Despite my several disputes the company continues to report on my credit report monthly of a debt that they refuse to validate despite my several requests that have been sent certified mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. I beg you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX     2017  I applied to have all my student loans consolidated  and was notified that  XXXX  of my loans were about to default and I needed to fill out a for to add the  XXXX  borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the  XXXX  loans added into the consolidation, I am told the  XXXX  loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the  XXXX   loans consolidated. Meanwhile, without any prior notification or packet, which the   XXXX   XXXX   XXXX   center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on  XXXX   XXXX ,    2017  my payroll was garnish for $  XXXX  without any warnings or prior notice, my address has not changed and I am receiving mail at my   XXXX   XXXX   XXXX  . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $  XXXX  and told the only way out is to pay in full up front or have the Department of Education  send a Stop  Notice. When I contact   XXXX   XXXX  , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ...  XXXX  Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX  XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.

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 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

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 02/23/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I were told by our CPA to go with Quicken Loans to refinance our home to get a lower interest rate. My husband is XXXX and working as a full time XXXX, I am an XXXX and in my XXXX. We both have near perfect credit scores. Starting back in XXXX, we agreed on a fixed interest rate with Quicken. Since XXXX up to the present date, Quicken required us to provide an ongoing stream of documentation to prove our credit worthiness ( despite our having a joint income of {$500000.00} annually ). Some of the documents they asked for went back as far as 30 years. The list never stopped, and sometimes they asked for duplicate documents. We provided all documents, but even after providing more and more documents, they would raise the bar, and ask for more documents. Then, this past week, they told my husband that we would have to negotiate another fixed interest rate, and more documents would be needed! I notified Quicken that we will no longer deal with them. I also feel enraged. It is my belief that this is how Quicken discriminates against individuals, who they decide that they do not want to loan money to. They keep a battery of employees that continually ask for more and more documents ( presumably hoping that either the individual ca n't produce the documents, or that they will find something to justify not extending a loan ). I might also add, that their advertisements mislead people into thinking that their loans will be relatively easy and without a lot of paperwork - quite the contrary. I believe that my husband and I were discriminated based upon our ages. I can not express the anger I feel towards Quicken. I had misgivings in the beginning, but we relied on our CPA. It is a junk company and I belief rife with insincerity about its loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service ((CD) Certificate of deposit) with SLM CORPORATION (NH).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing statement

Complaint: Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the problem.

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 02/20/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing account

Complaint: I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Leading up to XXXX 2017, I received communication from Navient Corp, that I would need to start making payments on my student loan for which I have absolutely no problem with. Included in the email correspondence was a link to their website, for which I took time to navigate and become familiar. Their website offers interest rate reductions if you enroll in their auto pay program. Accordingly, I signed up for that online in XXXX 2017. Furthermore, to ensure I was properly enrolling in the auto pay program, in order to receive the interest rate reduction, I scheduled an appointment with a Navient Corp representative, for which occurred on XXXX XXXX, 2017 at XXXX. The representative confirmed that I was enrolled in the auto pay plan, and that I should receive the interest rate reduction. On XXXX XXXX, 2017 I noticed I still had not received the interest rate reduction promised on their web site and verbally by the customer service representative, even though I have been making my payments as promised. I contacted Navient Corp by email on XXXX XXXX, 2017 explaining the aforementioned. The response I received was from a Navient Customer service rep telling me " You must be enrolled in auto pay to receive the interest rate reduction ''. I responded on XX/XX/XXXX and XXXX XXXX, 2017 explaining that I had indeed enrolled in the auto payment program, which I confirmed with a representative over the phone. I checked again on XXXX/XXXX/17 to see if they reduced my interest rates, which they still have not, and my balances are still accumulating at the higher rate. I am very upset and feel like they are doing this deliberately.
Furthermore, I asked the Navient Representative if I could apply for an overall interest rate reduction on the balances that I 'm being charged close to 7 %. She told me " No, our hands are tied and the rates are set by the Federal Government ''. I told her I could n't afford these high rates to please reduce them all to the 3.6 % rate I have on one of my loans. Again, her response was " No, we ca n't do that ''.
My name is XXXX XXXX. Phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NC).
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: On XX/XX/XXXX I sent a registered letter to TD Auto Finance registering a dispute about the account they have listed on all 3 credit monitoring companies. I disputed two things ; first a 30 day late and the second as the account was charged off. I asked for validation bearing my signature showing that I even had a contractual obligation to them. 

I did receive a response from them with some signatures that were copied but could not be verified. That letter did not list my obligation to them as I have never signed an agreement with them for payment for anything. 

On XX/XX/XXXX I sent a second letter, again disputing their reporting to the credit bureaus with the same result. Neither time did they list with the credit reporting bureaus that this was in dispute which is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I got a notification on my credit report about a company putting something on my credit report I knew nothing about and while doing research the company isnt licensed to collect debt in the state I am residing in which is North Carolina

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation