milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We signed up for a new credit card -- Gold Delta SkyMiles American Express card -- in early  XXXX . There were no membership fees when we signed up. After a year of using the card, an annual membership fee was assessed for {$95.00} on  XX/XX/XXXX . We decided that the card was not worth the cost, and according to the card agreement, we canceled the card within the grace period.
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On or before XX/XX/XXXX , I called AmEx to pay off the {$11.00} balance, get the membership fee removed ( this was well within the grace period given in the agreement ) and to close out the account. I had asked the credit card representative ( over the phone ) for the exact amount needed to close everything out completely. I payed that full amount. The payment for {$11.00} posted  XX/XX/XXXX , but the membership fee reversal did not post until  XX/XX/XXXX , even though I had called to reverse it and close the account no later than  XX/XX/XXXX . On  XX/XX/XXXX , AmEx assessed a late fee for the {$95.00} membership fee that should have been reversed when I called a week earlier.
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Since then, AmEx has been assessing late fees each month for the imaginary balance due to their own negligence. I and my husband have called many times to clear this up, but each time, the credit card representatives tell us they have no power to remove the spurious charges, even after the situation is made clear to them. Instead they try to bully us into just paying the late fees to take care of the situation. They offer no other alternatives and no way to contact someone at AmEx with the power to do anything other than take our money.
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Evidently, our credit scores are now being affected, which is completely unacceptable. We would like for AmEx to reverse all charges and clear up the credit reporting with each credit reporting service affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Student loan (Non-federal student loan) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is 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 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On Sunday XX/XX/XXXX at approximately XXXX XXXX Pacific I attempted to make a deposit for an online betting services called XXXX XXXX using my Capital One Venture credit card ending in XXXX. It was declined by Capital One twice. I then called Capital One and was connected with their fraud department. I was informed that the two charges were flagged by their computer as suspicious. After supplying my name, DOB, and Social Security number, I was then required to receive a text message with a numerical code and repeat it over the phone, which I did. The Fraud Representative then reviewed the charges their computer flagged as questionable, which I did, and confirmed that they were valid despite the fact the representative misstated the time they had been tried ( for XXXX XXXX that XXXX?!?!? ). She informed me that she had cleared the blocked charges and it was OK to resubmit my purchase/deposit with XXXX XXXX. I went ahead and did so, and the Capital One computer decided instead of approving the charges to freeze my account and declare it compromised. She never informed me that this site was considered suspicious by their computer algorithm and that No charges would ever be approved for that site, nor that there was a risk that my card would be frozen. I explained to her that this was terribly inconvenient and would incur substantial loss of time and possible financial penalties as I have several recurring payments set up that would take me a great deal of time and trouble to replicate, especially as some of them may be due in the next few days. She insisted that they would have to send me a new card. I said this was not OK, and she just kept repeating herself. I politely asked to speak with a supervisor and/or explore other options, and she said there was no other option, and that there was no supervisor available to speak with me because it was the weekend. I insisted that she explore alternative options which after several go arounds she agreed to do. She put me on hold, and then the line went dead.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with DISCOVER BANK (SC).
Issue: Billing disputes

Complaint: I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. 
However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, Wells Fargo Dealer Service Auto Creditor : Wells Fargo Dealer Services Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

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 11-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Harpeth Financial Services, LLC (MO).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a call from loan depot offering lower rates based on recent changes made by the fed. I explained that my only desire was to find a lower interest rate. I provided all of my information including my homes value the outstanding mortgage amount, my credit score, my income etc. When the rep said he was going to pull a hard inquiry on my  credit report I stopped him and said based on an excellent credit rating what interest rate would you be able to offer. He said between XXXX and 3.25 %. I said based on that go ahead. He placed me on hold then came back with an offer at 3.5 % for a 15 year loan which would increase my payment by XXXX a month. I asked where is the XXXX to 3.25 % rate. He said oh that would be an arm. I asked what was the rate for a 30 year fixed conventional mortgage like my current loan. He said 4.2 %. I said I told you I was pursuing a lower rate, I did not ask for a lower term or to change my payments. He intentionally baited me into pulling my credit report after I expressed my concern over doing so for no reason. The rep was unethical and never had a product that met my requirements but pursued anyway. I would fire an employee of mine that behaved in this fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I reviewed my credit reports with XXXX, XXXX and XXXX and found out that Healthcare Collections LLC had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to Healthcare Collections LLC on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all three credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: since XXXX XXXX I have been attempting to pay additional principal on my mortgage and it consistently gets applied to additional payments and the interest is being applied to future payments or the payment dates are not being back dated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account has been removed from my  XXXX  file and I 'm having the hardest time having it removed from my  XXXX  and  XXXX  file. There are  XXXX  accounts listed on my  XXXX  and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.

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 08/15/2015 about Debt collection (Auto) with Westlake Services, LLC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They are calling my home phone and my cell phone at all hours. I blocked them on my cell phone so they 've switched to Unknown Caller status there. I 'm recovering from XXXX XXXX and I care for my XXXX year old mother. I do n't need this harassment. My account with this bank is up to date yet they continue to call. It is Synchrony Bank..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!

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 03-02-2017 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with SUNTRUST BANKS, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: received a letter from XXXX XXXX XXXX XXXX concerning a debt from sun trust bank for XXXX i spoke to them on XXXX occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from sun trust but received nothing from them. they have ignored my request to dispute this debt.

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 04/24/2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent company.

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 08/31/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I would like to say I have citi card for many years and recently prior to my out of country for being in military. I requested them to dispute my charges on the card that was being in CA. 1. i do not reside there however I mention the charge also with the fact I do not have phone access they insist on telling me to call in when they already prior ask me what charges were they. There was no cancel on my card or offer to close out my card, I do not have the time to call so I have my wife schedule the payment to pay off the card. I am back in state but they do not seems to understand my needs. On top of that I mention being in service member have been troubling my communication and one time I was charge of fee because there 's an annual fee, of course I was not brought to attention until it was recorded into collection, they claim they have made contact with me before it went in collection. I would say there was no email nor any call made until my day marked on XXXX of the month. Their service are horrible I am assuming due to big banking they do not go into understanding of military member service and how it is hard for a contact to be made.

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