milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. 
Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. 
Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Payoff process

Complaint: Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my " Balance Due '' every month only to find out my " Balance Due '' did not include the amount I had chosen to place in my " Choose it '' " bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore, I 've been paying my " balance due '' every month thinking I 've long paid off the " Choose it '' balance as well. No, they hide that balance still outstanding as " SpecialPurch '' under the interest charge calculation on the statement. Additionally, it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the " balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month, I really should not have taken advantage of this " special offer, '' but I did and now I am sorry. 
My concern is n't as much for me, although it makes me very angry. My concern is for others who need a break with interest charges and might not pay off the balance every month. 
Additionally, I feel it is BAD PRACTICE for Capital One to not put SOMETHING, ANYTHING alongside the " Balance Due '' that states " You may wish to pay off this Special Purchase balance off, too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed my personal checking account on XX/XX/2017 without my knowledge and sent me a cashier check. They claim that my personal checking account which I had for over thirty five years was a business account. I spoke to Senior Service representative who also confirmed that it was set up as a personal checking., but due to Chase acquisition of Washington Mutual the account somehow changed to business. I have been using this account for my direct deposits. The checks, I wrote out will be returned with insufficient funds and I will be penalized for this. Chase currently does not take blame for this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently disputed three collection accounts with Equifax. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by Equifax. I do not believe Equifax is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Previously XXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with Diaz & Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX  report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Dynamic Recovery repeatedly called my home. NEVER did they state who they were trying to reach. Dynamic stated that they were a debt collector and to call a number. 
When I finally called the number I asked why they did not address who they were trying to reach, and I was told it was " legal '' and when I pressed the issue, I was hung up on. 
I called immediately back and spoke to person identified as XXXX XXXX. I stated that I was hung up on, and if he did so I would file a complaint. In our short conversation, when I gave him the phone number, which I consider private information, he stated that the call was for a " XXXX XXXX ''. I have had this number for 10 years. I do not know XXXX XXXX. I stated this fact, and asked him why Dynamic could not simply state who they were calling for. He became rude and defensive, talking over me, stating that this number has been " removed ''. When I asked him why MY TIME was wasted calling, for no good reason, he hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency is listed on my credit report for a cable bill I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting a paid collection with XXXX XXXX as {$0.00} balance past due, and open. Account not reporting on XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with AFNI INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with United Debt Holdings, LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose. 
i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
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 explanation