milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I called Capital One, and I was in touch with Capital One employees in CA CapitalOne Cafe. 
As of XXXX, i owed about XXXX dollars. I was notified that as long as there was a balance on my account, i would owe interest charges. OK. I spoke with persons over the phone, and people in CapitalOne XXXX. For XXXX, i paid XXXX before and on XXXX XXXX. I was notified that as long as there was a remaining balance for the month, i would owe interest on that balance. OK. Remaining balance after my payment is XXXX dollars. I was then told that if i did n't want to be charged interest in next month payment, I should pay in full amount of remaining balance before XXXX XXXX. I decided to follow their advice and pay the full amount of XXXX dollars before the end of the month XXXX XXXX. For 7 days my balance showed as XXXX dollars balance. I paid in full my remaining balance. OK. Then, suddenly, XXXX XXXX, i get a notice on email. You have a remaining balance of XXXX dollars. Why, i was told that if i made the remaining balance payment in full before the end of the month, i would not be charged interest/extra fees. I made the full payment of XXXX dollars. Yet, on XXXX XXXX, i was apparently charged XXXX dollars. That is absurd. I was told by Capital One that as long as i had a remaining balance at the end of the month, i would be charged interest. BUT, if I made the payment in full on the remaining balance, i would not have to be charged interest - as there was nothing to be charged on. It is absurd to be told that i would not be charged interest as long as i paid my credit card balance in full. Capital One i believe is misleading,

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company by the name of DEPT OF EDUCATION/NELNET is reporting on my credit report. These loans where sold to a company by the name of XXXX. NELNET is also reporting late fees on my report which has been consolidated. All of the NELNET accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Medical debt) with Professional Recovery Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This XXXX XXXX ( Debt Collector ) keeps calling all times during the day and calls late at nighttime too ( After XXXX XXXX ). In the year this company has called over XXXX times, even when I have told them not call anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: The bank sent my money to the wrong account through their mobile app, and have admitted that they are not sure what happened or how money sent to my mobile number was sent into another account. Some of their suggestions have been like so : 1. Whoever had my current mobile number before I had it is probably the person receiving the money. This ca n't be because this number was generated for me XX/XX/XXXX and there were no smart phones in existence on Earth. 
2. Someone set up the mobile app on their phone with my number. This is a clear flaw of their security and they say it 's not their fault. They, however, can not explain how someone can set up a mobile app with only incoming money capabilities. 
3. I am stupid and do n't know how to setup a banking mobile app. I 'd like to note I have XXXX banking apps in my smartphone only, plus another XXXX that I use with regularity on the same smartphone, and have never had this happen to me with any other service. 

They are unwilling to take my money from the wrong account because that account was setup with my mobile phone number. A mobile phone number my bank has had since XX/XX/XXXX, when I opened my first checking account. Another security flaw. 

The amount the bank owes me in mobile transfers is {$720.00}.

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 06-09-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the Claimant and Zwicker & Associates are the Respondent.  XXXX , clearly states the Respondent did not pay. Per  XXXX  ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment.       XXXX   Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Allied Interstate LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

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 09/29/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For over the past 30 years I have been employed with complete medical coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a Successor - in -interest to a property located in XXXX XXXX California XXXX The mortgage on this property is currently in default primarily because of the lender 's inability to renegotiate with me. I have received notification that there is going to be a foreclosure on it. I have since been contacting the Lender to reinstate the delinquent lien, but or no one wants to talk with me. I will be put on hold for a long time, and when someone eventually comes to talk, it is the same, they will find a reason not to work anything out with me. It is frustrating and I think that they want to find a way to sell this property from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (IA).
Issue: Managing the loan or lease

Complaint: I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: At the end of 2015 I had chase ink, sapphire and freedom cards opened. I decided that I did not need the ink and sapphire cards open anymore so I decided to close them. After speaking to a chase representative I was told that as long as I keep my freedom card open I would be able to retain the rewards points from the ink and sapphire cards. I saw the rewards points still in my account a few months ago, but I just checked again and they are no longer there. I read online that I was really supposed to transfer the points to the freedom card as opposed to just keeping them in my account. I was never told this by the chase representative when I closed my account. We are talking about XXXX points which I have lost and would like to do whatever I can to recover those points.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (OH).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: experian fails to update my current status with XXXX XXXX XXXX 
XXXX, XXXX all are updated to show current.

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 12/13/2016 about Student loan (Federal student loan servicing) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I started school XX/XX/XXXX and took a leave XX/XX/XXXX and never went back until XX/XX/XXXX.I got access to my Student Portal where I noticed a disbursement of {$4400.00} that was suppose to go to me but I never received.During that time our remaining Financial Aid Money would be deposited to a Bank of America Prepaid Cash Pay Card.I brought it to my schools attention and they began investigating trying to locate the money and find out what happened to it.Like I mentioned I was n't aware of that disbarment because I took a leave XX/XX/XXXX and did n't go back until XX/XX/XXXX.It took the school a while to give me answers, they eventually contacted Bank of America to try and get some answers and all they sent thru an email was a statement showing that there was a deposit made on XX/XX/XXXX in the amount of {$4400.00}, that 's it.My school went ahead and replied saying that we were actually trying to find out what happened to the money, how was it used or spent because I never touched it, so again they replied with a short answer saying Student used all funds, which in fact I never did.They did n't provide any information about how it was used, spent, was it withdrawn? Used somewhere? Nothing! I want to find out what happened to that money because I never saw it or used it. This has caused me a lot of XXXX, XXXX and XXXX. Bank of America had agreed to send me all statements from XX/XX/XXXX to this current day.They emailed me but only sent XX/XX/XXXX-XX/XX/XXXX to current day.I could n't file a complaint or even dispute it cause according to them its been more than 365 days which I understand but there has to be records of how the money was used and who used it because obviously to withdraw that amount of money an ID is required. I had my card in a safe place so there was no chance for anyone to have used it. Also Bank of America mentioned that if the money does n't get used in certain amount of time it gets returned to the sponsor which is my school and the school stated that they never received anything. I please ask that you help me, I want my money and I want to find out what happened to it. Thank you so much and hope to hear from you soon.

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 11-07-2016 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting Experian and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.

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