milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with North American Credit Services (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I tried to open a one year CD for {$2500.00} with the Capital One Bank on XX/XX/2017. 
I was told that before a CD account could be opened as a joint account both owners would have to be verified by Capital One Bank through a deposit in their checking account. My wife and I both have a joint checking account with the XXXX. I was told that both owners of this CD must be verified by Capital One Bank before, they would transfer the {$2500.00} from our joint checking account. My wife XXXX XXXX spent several hours on the telephone with several Capital One Bank employees providing them with the required information, that is date of birth, Social Security Number, XXXX Account and her Capital One Credit Card. She had established an old Sign In Name that was used more than 5 years ago when she had a Capital One account which she closed 5 years ago. The Capital One Bank employees that she talked to could not correct this problem and would not verify that she was the joint owner of the New CD that I wanted to establish with Capital One Bank. 
They then transfered the {$2500.00} from my XXXX checking account, but stated that they are still not going to open the CD account because they can not verify the identity of my wife, XXXX XXXX. Capital One Bank stated that they will not release my money back to XXXX Checking Account or open the requested one year CD for {$2500.00}. My money has been placed ON HOLD by Capital One Bank

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I applied online for the capital one quicksilver credit card and when terms were emailed to me they were different from the website. The site stated no annual fee and 0 % interest on purchases and transfers til XXXX 2015. My card came mailed to me with NO terms with the card, that 's the first time that 's ever happened to me. I called and of course the terms were the worse terms that was emailed to me. These new terms had a {$39.00} annual fee and the 0 % apr for transfers was gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Approximately six months ago, citi requested that I change the email on my credit card accounts. I asked them to make sure that the email got changed correctly on all of my citi accounts and they assured me it would be. This was important because I only receive email statements and not mailed statements. However, citi failed to change the email on one of my accounts. After that, I no longer received email statements for that account and the account no longer showed up on my online account. Because I was not receiving statements and it did n't appear on my online account, I was unaware that an annual fee had hit and I owed money. After I missed a payment, citi began calling me. I returned their call and asked them to go through each of my accounts with me and ensure they were all fully paid and in good standing. We spent approximately fourty-five minutes on the phone and went through each of the accounts they had on record for me. They assured me all of my accounts were in good standing. However, I continued to receive calls from Citi. When I picked up the phone, they said I had an account past due. This was despite the fact that I had just called citi and they had assured me all my accounts were in good standing. Apparently, even Citi had failed to locate this account. Because this account was over thirty days past due, Citi reported the late payment to the credit bureaus. However, the late payment was due solely to Citi 's forcing me to change my email address ( thereby making me reset my online account ), Citi 's failure to change the email on this account despite assuring me they had, and their failure to locate my account when I called specifically to ask about it. Months ago, we spent hours on the phone witht them trying to get online account access straightened out, and Citi was unable to get this straightened out, resulting in this late payment that due to their poor systems, even they did n't know was owed.

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 03/31/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid XXXX ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( XXXX ) that it was due to my income. XXXX reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( XX/XX/XXXX ) and it was denied ( XX/XX/XXXX ) and at that point I was sent to foreclosure. I again spoke with the same manager who advised that I reach out to the consumer advocacy dept to file a complaint in an effort for the issue to be looked into thoroughly. I filed a complaint ( XX/XX/XXXX ) and received a letter ( XXXX ) from US Bank apologizing for the error and advised that they were going to reopen my file. When they sent the letter they did not retract the foreclosure, they refused my attempt at making a payment and on XX/XX/XXXX they denied me due to my account standing in as of XXXX, however had they thoroughly reviewed my initial appeal and not denied it, i would not have been sent to foreclosure and I would have been continuing to make payments during this 4 month process.

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 01-04-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: After cancelling the card they wanted to send me another card. They also requested I send them a copy of a government paper with my social security number to clear an unknown transaction from XXXX XXXX that was on the card. I refused.

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 10/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been receiving calls everyday since XXXX XXXX, 2018 from Navient. I have asked them to remove my number from their call list because I do not have an account with them. They told me they would fix it in 24 hours and it 's been over 10 days. They are continuing to harrass me. I do n't even know the person they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with Servis One, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: I am trying to save my home from foreclosure by applying for mortgage assistance and a loan modification. I sent my package on XX/XX/XXXX and was told it had been deemed complete and advanced to underwriting on XX/XX/XXXX with a foreclosure hold placed on XX/XX/XXXX. I was also told at this time that they are legally required to complete their review within 30 days. So I entirely expected to have this done and know whether I can save my home by XX/XX/XXXX or XX/XX/XXXX at the latest. Naturally I am concerned that the process has been delayed over a week past the legal deadline. But that is not why I am filing a complaint. I am specifically filing my complain against XXXX XXXX, the asset manager. I could understand why they might be a little bit behind, but XXXX XXXX is being deliberately non-communicative regarding the status of my modification. All I want is information -- a simple explanation of why my file is delayed and what I can do if anything in order to move my file from point A to point B. Instead I am getting ignored and even hung-up when I try to speak with him. This is not only unprofessional, it 's unethical. They are breaking the law by stalling the disclosure of my decision and I am entitled to know why, and they are doing this with utter disregard as to how this jeopardizes my home and livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: About a year ago I started contacting Chase bank about a year ago. I had found out that there had been a checking and savings account opended up under my name. I went through the dispute process with Chase. They told me at the end of the investigation that If they found enough information that the account was not mine, they would be able to remove it from my credit reports, XXXX etc and then I would be able to open an account with them Fast forward after months of phne calls and emails with them. Turned out they did not hold me at fault for the account, but then back tracked that I could not be able to open an account with them. Also, I had reported to them that there was a chase credit card that was also opened up fraudluently under my name. I still have no heard anything back on that. I would like to be able to open an account with Chase like promised, and also would like to know what is going on with this credit card that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 12/14/2017 about Debt collection (Medical debt) with Walwick, Inc (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have received calls on an almost daily basis from XXXX XXXX XXXX  about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX  XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Untimely response
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with ESCALLATE, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection company is trying to add " accrued '' interest on my daughters account ( she is a XXXX ). This is not the first time they have try to add accrued interest on my accounts. I 'm sure I 'm not the only one that the company has done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Money was not available when promised

Complaint: Usaa would n't credit my account with an international wire even though I had documentation proving it was mine. The company wo n't do anything to help 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 10/14/2016 about Credit reporting () with Credit Karma, Inc. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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