milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Medical) with Alorica Inc. (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: West Asset Management has continued to call my place of employment. I have requested them not to call me at work but, they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with Medical Recovery Services, LLC (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The number associated with this complaint is my work number which I NEVER gave out. 
Our work numbers recently changed and the new number ( this one ) has n't been registered on DO NOT CALL LIST and again, I never gave out my number to this 3rd party collection agency for a Hospital ( The Hospital does n't even have my new number ) I informed them this is my work number and I never gave them permission, nor is it lawful to harass someone at their place of work. They informed me -- -it is n't against the law to contact someone at their place of work but they will remove my number. They lied. They refused to transfer me to a supervisor. The place is called XXXX XXXX -- -their number is XXXX -MXXXX XXXX XXXXs

Company response to consumer: Untimely response
Consumer complaint received 05-11-2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Other fee

Complaint: i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.

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 07-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Velocity Portfolio Group (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/2012, {$8900.00} ... incorrect information

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX inquiries on my Equifax report XXXX XXXX and Online credit reporting, I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Medical) with FirstPoint Collection Resources (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have an initial fraud alert on my credit report with Experian. I was notified on XXXX separate occasions that my credit report was pulled. I was contacted by XXXX creditor XXXX and i advised i did n't take any action to initiate the credit report inquiry. No fraudulent accounts were opened however I have been left with inquiries I didnt initiate. XXXX creditors XXXX and XXXX stated they would be removed but Experian keeps sending me updated reports saying inquiries are a matter of record and they will remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 05-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been contacting them constantly about alternative options to bring my account out of default and reinstate in good standing to pay the loan in a realistic manner and negotiate a reasonable deal that will work out for b oth Navient and I. They are no t willing to work with me and is preventing me from making future financial decisions as a consumer and hindering me from other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I had reported to Wells Fargo Bank that I was having difficulty with an employer and my direct deposit posting in XXXX of XXXX. I am on SS XXXX. I took a position that required more standing than similar jobs in past. It aggravated a condition my doctor took me off work til XX/XX/XXXX. I informed Wells Fargo of the job difficulties prior to the leave of absence. My difficulties started in XXXX of XXXX and the job begin to harass me after my doctor submitted accomodations in XX/XX/XXXX, in addition they cut my hours. All along I'm looking for another job. I kept the bank in the loop and was told by them my account was closed where the check was returned but it was not. Because a check was returned from another account where I have overdraft protection, where the direct deposit was to post. The jobs fault and the check was returned. I settled the issue. Never was I told I could have overdraft protection at Wells Fargo until last week. A check was returned before I was abruptly let go from my job while on medical leave because of the abrupt job lost. I was told I could make payments. I a made XXXX payment. I owed XXXX that's all. They have been charging my account XXXX a month knowing my situation. I called and told them I had found another job. They sent me 2 emails telling me I could have asked for overdraft but now its too late, but they never offered. Said I could make payments, took payments, closed anyway. I feel this is wrong. I had no control over my situation, I have and can document anything is this email. I don't even owe a lot of money and they are threatening to hurt me further and report me to some agency AND THEY OFFERED NO HELP TIL THEY WAS READY TO CLOSE THE ACCOUNT. NOT RIGHT. THIS IS WHAT THEY TOLD ME LAST WEEK. I HAVE ALL EAMILS FROM THEM.

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 07/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Confusing or missing disclosures

Complaint: Once again, Paypal is neither respecting their word nor fullfilling their promises. After my 2 previous complaints against Paypal,   XXXX   XXXX  , Operations Counsel of Paypal, agreed in reactivating my account based on the email  XXXX . However, I still receive contradictory and misleading email messages by the   XXXX    branch of Paypal as well as from   XXXX   XXXX  , both openly contradicting the promise of   XXXX   XXXX  .
As a response to my complaint   XXXX  , Paypal advised me to contact   XXXX   XXXX  , head of their Executive Escalations office.   XXXX   XXXX   sent me a message on   XXXX   XXXX   2017 via the Paypal messenger showing alarming contradictions and lack of knowledge of Paypal rules. As a reply, I explicitely showed   XXXX   XXXX   that what Paypal is still restricting me ( and using as basis for blocking my accounts ) is something Paypal is endorsing and supporting in their websites : the possibility of transfering funds among the accounts located in different countries by the same accountholder.
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In the original link provided :   XXXX   XXXX   XXXX   XXXX    officially endorses  XXXX , an international partnership allowing  XXXX  accountholders to transfer funds between their accounts. Moreover, Paypal provides a specific email address for usage in transferring money fron one country to another :  XXXX  Please READ this link where the PARTNERSHIP between Paypal and  XXXX  is announced :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  general as well as this Paypal link : https : //www.paypal.com/ar/webapps/mpp/withdraw-funds so all of this confirms, as I said it very enphatically, the invoked reason for keeping the lifting in my Paypal account is COMPLETELY GROUNDLESS, based on FALLACIES and MISSINFORMATION. There is also NEGLIGENCE and bad faith in Paypal attitudes through   XXXX   XXXX    and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: For years my private student loan debt through, what was XXXX XXXX, Navient has been nothing but a floating burden in my life. I have watched my interest accumulate through time. I have XXXX loan that started as {$17000.00} and is now double because of interest and fees. I am drowning. I have XXXX loans through Navient now. I have asked repeatedly for statements and explanations of fees from start to finish and have been told they can not do that for me My parents are cosigners on XXXX loan and my parents have even asked for these said documents. Then I went into repayment in the middle of a divorce. My ex put me into default and until the divorce was over I asked what I could do to lowere my payment because I could not afford the payments on my own. I was told to forbear the XXXX XXXX times I called to figure somethign out in the mean time. I was never told about IBR each of these times. The first time I asked them abotu it and was told that was not an option for my loans. Then I paid XXXX or XXXX forbearances, I utilized all of them, and I was then approached with being able to do IBR at 1 % interest for a year. This whole time I was asking why this was not an option for me and I could not get XXXX answer. So here I am paying out {$240.00} a month in student loan debt with no statements or beginning of time documentation. So I have not clue what I am paying. I just have a monthly total and a deadline in # of months. How is this legal? They should have the original note when my loans where sold to XXXX XXXX. Also, how can a lender not provide documents per loan on how my loans got so high? This is a total scam and my life 's nightmare! Right now my loans are double what I originally took out! I am a single mom now of XXXX. I make {$12.00} and hour and have $ XXXX in student loan debt. I will never make anything more then maybe $ XXXX. the rest of my life due to life changes. This will forever be my struggle. My Government loans have gone smoothly. I file IBR every year and they will be wrote off. But I will forever have my $ XXXX private debt!!! Someone needs to do something about these scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Trouble during payment process

Complaint: I submitted my monthly mortgage amount on XX/XX/XXXX I rec 'd a coupon stating that the next payment date would be XX/XX/XXXX for approx {$1000.00} The submitted and cashed payment on XX/XX/XXXX was for {$1000.00} satisfying the XX/XX/XXXX payment date. 
Wells Fargo decided NOT to apply this amount to this payment date. 
I called Wells Fargo on XX/XX/XXXX inquiring as to why this was not done. 
Customer Service had no answer for me, they then claimed that " they will expedite '' this mistake and update the payment to XX/XX/XXXX and it would take " 3-5 business days ''. THEN the person told me 7-10 business days. 
I explained to Wells Fargo that IF I did n't catch their mistake and I did n't make another payment before XXXX XXXX, my home would of went to foreclosure possibly and they would of reported my missed payment to the Credit Bureaus. 
All I get from Wells Fargo that is " human error '', well these " human errors '' seem to inundate them because I see them all the time. 
7-10 business days to update my loan? RIDICULOUS! And I will once again need to check after this time period, only to see it not applied possibly and Wells Fargo once again telling me 7-10 business days.

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 12/23/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I am a XXXX vet, i live under the poverty line, as a result my brother sends me periodic money to my bank account to help make ends meet. 
Because of this i looked for a bank that offered deals to vets, Chase had a if you are a vet and have a VA pension deposited, then you do not pay incoming wire transfer fees, this is the only reason i went with chase. 
Chase charges me a XXXX dollar fee everytime my brother sends cash, this bank is full of lies and deceit, then i call them and have to argue almost everytime to get the charge reversed, called a supervisor, was told they were going to look into and fix this, and still i have to call each time. 

This bank is simply preying on people such as myself, and the fact i suffer from XXXX keeps me from dealing with them correctly, i really could use some help getting this stopped.

Company response to consumer: Closed with monetary relief