milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with DriveTime (NC).
Issue: Managing the loan or lease

Complaint: I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX Sallie Mae accepted a forbearance payment of {$37.00}. 
" XXXX Paid XX/XX/XXXX XXXX Borrower '' This is the forbearance notice. No where did it indicate that a payment becoming due had to be paid, as Sallie Mae allows payments up to a week later with no penalty. It is misleading to not include information that the very first payment due under the loan was NOT part of the forbearance. Obviously, the request for forbearance was filed long before the payment was due. 


XX/XX/XXXX Dear XXXX XXXX : We 're pleased to let you know that the request for forbearance on your education loan listed above has been approved. We understand that circumstances can change, so we 're happy we were able to offer an alternative solution that allows you to temporarily postpone your payments. 

Your forbearance period is XX/XX/XXXX through XX/XX/XXXX. 
Forbearance requires a payment of {$50.00} per loan, not to exceed a total of {$150.00} per forbearance request. If you 're postponing payments for more than one loan, the total payment will be divided equally across your loans and applied to the Current Balance of each loan. 

The documents supporting the above data is available if it can not be attached to this complaint. It is also unfair for Sallie Mae to not release to the co-signer the details of the forbearance and how it would affect the first payment due under the loan subsequent to the student ( my XXXX ) graduating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Capitol One has charged me interest for items that were returned, charged over 400.00 in gift cards promised but not credited back to the account, needs to adjust the pricing on  item, and needs to show a proof of purchase for a XXXX dc location receipt. I was charged an amount i didnt agree too. 
I am owed several thousand dollards by Capitol One and  want it credited back immediately. They have been scamming me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (CO).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.

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 02/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing/Cancelling account

Complaint: This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.

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 01-06-2016 about Credit card () with U.S. BANCORP (OR).
Issue: Balance transfer fee

Complaint: I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: XXXX XXXX XXXX XXXX the XXXX/XXXX/2017 wire transfered XXXX USD to Coinbase Inc. the XXXX/XXXX/2017 Coinbase Inc.  Notified by email and their support platform tha the wire transfer would be reversed in 3-5 labor days. 

So far I 've had only a repetitive response " we are working on it, we are busy, etc.. '' reaching them requires hours of phone call waiting and so far no response from their support platform except their " automatic '' follow up. 

We consider its completely unacceptable to hold our money for 10-12 days when the electronic wire transfer takes MAX 3 days, and in 90 % of the cases less then 24 hours. 

We are worried our funds are being using for their regular operations and holding it as long as possible before proceeding with the reveral.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a certified letter to XXXX XXXX on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, XXXX XXXX did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I checked my credit score recently after i had some things removed that were negative marks on my credit and was told by credit bureau my credit score would go up. I had a XXXX score at the time and score went down instead to a XXXX currently which I believe should not have happened. when you clean up your credit which I did credit should improve. I talked with the credit bureau of trans union and they just kept telling me the score is correct. If you examine my credit you will see all my bills are up to date paid and only 1 recent late pay XX/XX/XXXX. No judgements or derogatory marks are on my report at all. How could my score go down when you get the bad things on your report removed? Please look at this and have transunion correct this problem. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (ND).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacting several months ago about a loan the I thought was paid XX/XX/XXXX but the company failed to take the amount out of my account and then waited until XX/XX/XXXX to contact me. I made arrangements with them in XX/XX/XXXX to pay the debt over several months. The payments were processed appropriately in XX/XX/XXXX and XX/XX/XXXX then in XX/XX/XXXX they began contacting me constantly threatening me because a payment did n't post, yet according to my bank, they never attempted to process the payment. I have tried working with them and have given financial information multiple times yet they keep contacting me saying payment has n't been made ( bank statements show they have or that they never attempted-initially the XX/XX/XXXX payment then after 3 conversations and sharing info, it finally was processed. XX/XX/XXXX payment was not attempted ) and asking for my bank info repeatedly. They call multiple times in a short period of time ( 3 times today in 90 minutes ) threatening me and telling me what I owe will triple, etc. they have even hung up on me when I ask them why I need to keep doing this ( share financial info ) when I have authorized payments to be taken out according to the terms of the agreement I signed. I have attached the XX/XX/XXXX document showing future payment terms. I also had payments processed earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Using a debit or ATM card

Complaint: An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Deposits and withdrawals

Complaint: My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.

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 Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my mortgage XX/XX/2013. At that time I was in a program were my payment was taking out every 2 weeks. In order to get into that program I had to be paid 1 month in advance. When they sold my loan to XXXX XXXX XXXX they did not offer such a program so I was told not to pay the last month with Bank of America. A few months later I noticed a late payment on my credit report. I argued this with Bank of America and they removed it from my credit report. A year went by and this reappeared on my credit report. I 've yet again argued with Bank of America but this time they wo n't remove this. It is negatively effecting my credit and I just want it removed.

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 07-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have tried to get a n Opportunity account with Wells Fargo bank - my employer. I tried to get one last XX/XX/XXXX in XXXX, AL. and to day in XXXX AZ. - both with WFB. <P/>this account is advertised for people with bad credit and bad history with banks which is me. <P/>they always got to a credit reporting agency and the info gained there from denes me the chance to open another bank account with my employer ... WFB.

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 09/20/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Funding has called me several times a day on both my cell and home phone. They have also has placed several accounts on my credit report for debts that I allegedly owe to them, however I HAVE NEVER DONE BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation