milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2018 about Credit card or prepaid card (Payroll card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA 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 06/27/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We sustained loss due to ice storm. Insurance pd {$14000.00} which check we signed and Priority mailed to PennyMac on XXXX XXXX, 2015 yet I had to beg for release of monies. I have spent over {$9000.00} in repairs and have only received from PennyMac {$4800.00} on XX/XX/2015. - I have repeatedly asked for more and sent receipts to loss draft dept. They then demanded an inspection at my added cost of {$40.00}, which was completed on XX/XX/2015 and declared at least 70 % repaired. Yet my requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus emails to loss draft have yielded no information on when or how much they will release next. How am I supposed to repair with no money? I paid for insurance and PennyMac is withholding my funds. On XXXX at XXXX pm I received a voice mail from XXXX at PennyMac saying I should receive a check on XXXX XXXX from XXXX. No amount specified. Really! It will probably be only another {$4800.00}. instead of the total. This is totally unacceptable. I have contractors who want XXXX up front and I have no money at all. I want all my funds released so I can finish the repairs. My husband and I are on XXXX and a XXXX. We have not had a kitchen in XXXX weeks and I ca n't pay contractors with no money from bank. There are additional code enforcements required from the Town building dept and I have to pay for those repairs before I can be reinbursed on a supplemental claim from insurance company and I forsee this saga lasting months from now. This is not right. The roof leaks but the roofer wants XXXX of the {$7400.00} to repair up front. This just goes on and on. We applied for a loan to speed up the fix and were denied. I have sent the bank all receipts for our out of pocket over {$9000.00} paid so far, yet they wo n't release our insurance money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried many times to get Equifax to take this off my credit file for XXXX XXXX XXXX XXXX XXXX XXXX that bill was paid in XXXX of XXXX by my insurance company XXXX XXXX and XXXX XXXX XXXX Tennessee and I paid a {$22.00} copay this has gone way past Fair Credit Reporting I need this removed

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted from my credit report

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 10/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan with Navient. I am trying to pay my loan ; however, I do not currently have the income to make the entire payment. I have been trying to get the payment reduced for almost a year now, but they will not allow it. The only option I am given is to pay {$100.00} to put the loan in forbearance for one month. However, their " sister '' company has a program in place to allow you to pay based on your income, which is much more reasonable. I do n't understand why Navient would not have a similar option available, especially in an economy such as ours. It is understandable that people are not able to pay there loans in the amount they are demanding. They should by law have to offer more payment options so that you can pay your bill and not have your credit negatively affected. This process seems unfair and in many ways illegal. I am hoping something can be done about it. I really someone to help me on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Rewards

Complaint: On XX/XX/XXXX I tried to use my XX/XX/XXXX American Express Reward Coupon at my local XXXX. The Reward Coupon was for a credit of {$130.00} based on my XXXX purchases on my XXXX American Express card during XX/XX/XXXX. My Reward coupon was rejected because it expired XX/XX/XXXX. I was told to call American Express to have it reissued. Today, after calling American Express at XXXX XXXX XXXX XXXX I was told by a supervisor, XXXX, that American Express would only reissue a coupon for 50 % of the {$130.00} because the coupon had expired. I asked, " Did n't I earn all {$130.00} thru my XX/XX/XXXX purchases on the card at XXXX? '' XXXX said " Yes '', but because the coupon had expired, I was n't entitled to any of it and that they would only issue 50 % of it again as a courtesy. If I did n't accept before XX/XX/XXXX, I would not get anything. This seems like a strong arm tactic. I did n't need to use the coupon before yesterday. I need to use it now for our XXXX grocery preparations. American Express is bullying us on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have never gave my consent to the credit bureaus to expose anything on my credit report.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Hi, I applied for an auto loan and I was told that my credit would be ran through  XXXX  creditor and that it would be a soft pull. However I have over  XXXX  hard inquiries on my report as a result. I have disputed these to  XXXX , Transunion, as well as  XXXX  with very little success.     Inquiries :  XXXX /  XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX /  XXXX   To    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX  /   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   In addition to the unauthorized inquiries on the report. I have reached out to the cr editors as well as all   XXXX   bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below :  XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX  (  XXXX  )   XXXX   XXXX   (  XXXX  )  XXXX   XXXX  and   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   (  XXXX  ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all  XXXX  bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (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: When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing

Complaint: I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.

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 01-05-2017 about Payday loan () with Genuine Debt Solutions, LLC. (WI).
Issue: Charged bank acct wrong day or amt

Complaint: Some years ago I took out a payday loan. Payments were being taken out days and even weeks ahead of the scheduled date. It XXXX my bank account up so badly I had to close the account and open a new XXXX. My bank charges were in the hundreds of dollars due to their untimely actions. I made arrangements to pay the amount they claimed but now they are threatening me for breech of contract because the bank did n't pay their withdrawals. They refuse to accept proof that this was paid. They called on XXXX/XXXX/16 at which time I told them it had been paid but they refused proof of payments. They said they would call the next day for my documentation. They did not. This was a XXXX XXXX at XXXX. A week later they began to call every three minutes non-stop. Threatening to take me to court. So I blocked their number. I am now getting threats from XXXX threatening me saying I had been reported. They do not send documentation of any type, have refused to give me any specifics on what they are referring to and are very nasty people. I do not owe this and they cost me hundreds of dollars in bank fees for all the other transactions that were affected by this incident. They are the ones who were in breach of contract.

Company response to consumer: Untimely response
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 12-08-2016 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am eligible to have my loans reconsolidated through FedLoan.gov in order to enter the public service repayment program. My loan servicer, ACS, has refused for the past six months to provide the Loan Verification Certificate to XXXX that will allow XXXX to proceed with taking over my loans. This is despite weekly requests from XXXX and biweekly contact by me via email and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We suspect that this a debt from our son  XXXX , probably a medical or hospital in MN?   He had a serious car accident in  XXXX     2011 in TX a nd has had emergency ER, maybe even ambulance service in this city where he was working? Son travels  24/7 so  we seldom hear from him except  XXXX .   HOW this debt collector got our personal phone number is a mystery but the daily harassment is disgusting. We answered more than once and told them that he does not live here but they continue to call.  <P/> Thank you for trying.    XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Credit decision / Underwriting

Complaint: I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: I have contacted Capital One credit card three times on this matter. 

This is a dispute with Capital One. I attempted to make my payment on my account. I have never been late. The mobile app somehow did not take the dollar amount I entered, and a partial payment was made. The error happened repeatedly, but eventually showed the full payment and I thought it sent. I had no intention of making a partial payment. The payment was made from my Capital One 360 account, and the remaining funds were in there. I do n't use my 360 account for anything but making this payment, and I transferred money there to do that. 

I called and explained my situation, and the gentleman said he understood and had taken care of my late payments on capital One 's record and it would update with the credit bureaus. Please pull this call recording, or I will request the CFPB pull the recording in an investigation. 

The time and date of the Capital One employee telling me this was taken care of was at XXXX XXXX XXXX PT. 

Additionally, when on the phone for all that time, the representative failed to tell me that the payment was applied to XXXX and XXXX was still not paid. I would have paid the account that day had I known. My mobile app did not indicate this was late when I looked, and now I have two thirty day lates. 

I realize that Capital One must report the actual performance to the credit bureaus. However, based on the minimal control a consumer has if technical errors occur, Capital One should recognize my past behavior, my strive to build my credit and my conversation with them to correct this problem stemming from a technical error.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XXXX    XXXX   XXXX  purchased brand new with financing total came to {$29000.00}. I paid over  25  payments at {$670.00} and I had  3  deferred payments totaling  6  payments transferred to end of loan. Last year my car was hit and considered total loss, I had GAP insurance that paid {$5500.00} and my insurance made 2 payments of {$2300.00} + {$8200.00}. The finance company is saying I have a balance of {$9400.00} and it 's actually showing more than that because they are adding interest to it due to me not being able to financially make payments

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other

Complaint: I had an account with Navy Federal. I had medical issues and they charged off the account # on XXXX 2014. In XXXX/2014 on my XXXX report they reinserted the account XXXX by adding XXXX in front of the account number they modified all the history of the account after my attorney told them I would be filing for bankruptcy to stop the judgement on the Charged Off account. I disputed the duplicates and they only removed XXXX of them. The history and everything else that was disputed and incorrect remained and they kept verifying the debt as correct. 
On my XXXX credit file I had no Authorized User Account on XXXX/2014 when the debt was charged off for my husband on his account # XXXX they added the account removing all history on the Charged Off account and labeled me as an " Authorized User ''. I have disputed this account since last year and they with the intent to collect have continously verified all information as valid when in facti it is not. 
At this point I want to have BOTH ITEMS deleted for due to multiple violations of my rights under the FCRA, the bankruptcy chapter XXXX stay and violations of the Discharge injunction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation