milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CO).
Issue: Charged fees or interest you didn't expect

Complaint: About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/16, Springleaf offered pre-approval for a line of credit in the amount of {$5000.00}. However, upon applying, the loan was turned into an auto loan without my consent. I declined acceptance of the loan as Springleaf mislead me regarding its product.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Advertising and marketing

Complaint: To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was " approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told " you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the " signature card '', but needed to verify this. Upon verification, she informed me I was approved for the " Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for " Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 04/18/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing disputes

Complaint: I received a call from Shell on Sunday regarding my Shell Credit Card. She said that my account was delinquent. I checked my bank account and it showed that I had scheduled a payment for the full balance on the due date which was XXXX XXXX. I related that I had schedule a payment on the due date and they should have received it by now. She then checked Shell pending transaction account. She related that it showed a payment pending for payment of the full balance. She then related that it take 4 to 5 business days for a payment to clear. I inquired if I was charged a late charge for the slow processing of my payment. She said that I was charged a {$25.00} late fee. After I complained she agreed to reverse it ; however, it would take up to two billing cycles before it would appear on my account. I have noticed recently that I have been charged late fees on my Shell account. I checked back on my bank account on previous months and noticed that I have always paid on the due date but have been charged a late fee because Shell did not process my payment on time. My question is how many people has this happened. Is my account delinquent because Shell failed to process my payment in a timely manner? Shell is misstating the due date if it takes 4 to 5 days to process the payment?

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 05/24/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Balance transfer

Complaint: I applied for a zero percent balance transfer and the company changed the rate in one week

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 10-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Credit card protection / Debt protection

Complaint: I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. 

I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. 

The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. 

Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. 

I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: My name is XXXX XXXX XXXX. I file a dispute letter with Experian, XXXX and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, Experian and XXXX didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to Experian and XXXX were 609 and 611 FRCA.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX    XXXX  , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , AZ  XXXX , regarding Fradulent information on their consumer report file, concerning  XXXX   XXXX   XXXX   ( now being investigated )  &  XXXX   XXXX   XXXX  Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since  XXXX    XXXX  ,  XXXX    XXXX     XXXX  has removed the Fradulent claim from  XXXX , and  XXXX  is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.  <P/> Thank you and please contact me at  XXXX  with any questions.  <P/>  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with Credit Card Receivables Fund Incorporated (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit determination

Complaint: I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?

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