milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Capital One is not applying my payments correctly. On XXXX XXXX they assessed a late fee of XXXX for XXXX payment. On XXXX XXXX I paid XXXX the regular monthly payment that was due. XXXX XXXX I paid XXXX and on XXXX XXXX I paid XXXX to pay the XXXX late fee assessed. Instead of applying the XXXX to the late fee capital one took the payment and applied it to interest and did the the same with the additional payment from the XXXX payment I made on XXXX XXXX. In doing this they have reported my payments as being late to the credit bureau and showing the account past due XXXX days which is was not because i paid it. When I called I was informed that they can not change how the payment is applied it is done automatically by the system. So if your system tells me that I have payment of XXXX  due plus fees of XXXX which totals XXXX and in turn make a payment of XXXX. Then why are you not applying the money to what your system is telling me I owe? They are not like other lenders that provide options in their mobile and online applications that allow you to select on how the payment is applied. You have three options 1. one time, 2. recurring, 3. pay off next options are pay from, payment date, payment amount, and make payment. This system is designed to cause hardship for the customers and increase the amount of interest capital one receives.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On Tuesday, XXXX XXXX, 2017 I tried to use my Bank of America credit card to make a payment of {$750.00} to XXXX XXXX to purchase a flight to XXXX. This transaction was declined WITHOUT a representative from the financial institution calling me to confirm that I was, in fact, trying to make this payment. I had n't even reached 20 % of my credit limit for the month, and even with the purchase, I would still have 80 % of my credit limit remaining. I have never encountered an issue like this before. My credit score is higher than XXXX and I have never missed a payment! This is absolutely unacceptable and I feel that their practices are predatory.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage holder is Caliber Home loans. In 2015 l made mortgage modification. According to my mortgage modification agreement with Caliber Home Loans l have to pay my premium, interest and Home Owners Association fee to Caliber Home loans and they have to pay my HOA fee to XXXX ( my home owners association ), every month. By some reason Caliber do n't pay regularly. As a result of this I have big problem with my HOA. They want to cancel my occupancy agreement. All attempts to get in touch with Caliber Home Loans officials does not have any results.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Mortgage Issue : Applying for a mortgage or refinancing an existing mortgage We finally heard back from Wells Fargo & they basically told us they did nothing wrong on their part & we are basically  XXXX in out attempt to re-fi or even Modify our loan. 
How does this Bank stay alive?? 

We will need to start defaulting on our loan in order to get someone 's real attention and help in this matter?!? 

Seriously, Wells Fargo HAS DONE NOTHING to help but put the blame on us!!! 

CFPB was really our last hope that you could get WF to at least do a modification of our loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (NJ).
Issue: Account opening, closing, or management

Complaint: We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing with US 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Application, originator, mortgage broker

Complaint: During the process of doing an assumption of a mortgage loan with Penny Mac, they pulled my credit twice within a three ( 3 ) month period. This was not needed, acknowledged as an error by their employee XXXX XXXX XXXX # XXXX, yet never removed from my credit bureau and is reporting as showing until 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX payment was not late in XXXX 2013 as per the payment history i received from the company, XXXX. equifax failed to report properly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have contacted Navient by mail in XXXX 2017 and again in XXXX 2017 requesting written documentation to be mailed to me regarding my loan. Both times I sent the correspondence to two different locations via certified mail ( I have copies of the letters and the certified mail reciepts ) Both instances the letters were ignored by Navient., although i requested that they respond within 30 days. Navient however sent me and continue to send me multiple emails. I finally responded by telling them that they have not replied to my letters that i have sent to them. I then attached one of the letters that I sent to the email. There response was that they can not discuss matters via the internet. They then sent me a letter saying that I needed to pay my bill, but never responded to the letter. Please note. that was the first letter they sent to the house. They are now sending me letters threatening default, but when I requested the information about my loan, ( due to them in the past not providing me with accurate information ) in XX/XX/XXXXand XX/XX/XXXX they refused to send me what I asked for? Do they not have it? They also are now sending reports to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was the victim of identity theft and provided all the necessary documentation but the accounts are still reporting.

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 10-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a revolving account on my credit report for over a year and still is on my credit report. I am trying to purchase a home and this account is not mine.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aspen National Financial, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Aspen National Collections  (   XXXX   XXXX ,  Manage  r )  sent collection letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , I disputed on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  by fax. 8 months later on  XXXX / XXXX / XXXX , Aspen reported to    XXXX   {$2200.00}  ( ori ginal creditor :  XXXX   XXXX  {$1600.00} plus {$570.00}  Aspen  fees 35 % of original balance ). I disputed to  Aspen an d   XXXX   on  XXXX / XXXX / XXXX , requesting to remove collection from  XXXX .  Aspen r efused to remove, I disputed again on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX ,  XXXX   XXXX  at Aspen sent me a letter stating his " client has no access to the contract you signed '' ; therefore, he is unable to prove he can charge collection fees in the amount of 35 % which is a violation of the FDCPA. Aspen is unable to provide payment history regarding statute of limitations because NO payments have been made. I disputed again with Aspen on  XXXX / XXXX / XXXX . Aspen is incorrectly reporting to  XXXX  that this is a new account opened on  XXXX / XXXX / XXXX  and incorrect original balance of {$2200.00} ( original creditor alleges balance due is {$1600.00} on  XXXX / XXXX / XXXX  ). I dispute debt in its entirety ; however,  Aspen  is intentionally reporting incorrect balance due, incorrect original date of debt and can not provide Contract to prove they are allowed to charge excessive collection fees of 35 %. I discovered that  Aspen  incorrectly reported to  XXXX  when I was checking my score to get an auto loan. Because of Aspen, my score has dropped drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid and still reported by XXXX. I ca n't even fond aeay to contact collectir to try snd settle, even though I dont owe, I want it to go away and am willing to do whatever.. Inclufing settling!!

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 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: American Express did not adequately protect this consumer from criminal and fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I have a problem I need help with please.

RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use. 

I do not have a lot of money your help would be much appreciated. 

Can you please ask them to stop being a XXXX? 

Thanks! 
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company? 

The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/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 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: the following unauthorized inquiry need to be removed : Made by : CREDCO Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,

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