milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been repaying my private student loans with Navient for 3 years now. My loan does not seem to decrease. Over the past 5 years I was misguided into entering forbearance. I did not want to have my loan go into default and cause it to affect my cosigner. I asked for several options to lower my payments and was told my only option was forbearance. Due to this forbearance I am now paying far more interest than I can handle. I am trying to pay my debt off and find it difficult to achieve. I was unaware of the amount of interest I would incur due to the forbearance, all I wanted was a lower payment so that I could pay them every month. My payments range between $ XXXX- {$900.00} a month just for the XXXX private loans. I still have a federal loan that I am paying as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit determination

Complaint: I was denied a credit card from American Express XXXX dated XXXX XXXX, 2015 ( after receiving numerous mail solicitations ) and when I tried to get a free copy of my credit report from XXXX on XXXX XXXX, 2015 XXXX refused to honor my request. XXXX 's web site requested information which I provided and each time it responded that that the session had timed out. Regardless of how fast the information was put in the response was always " the session had timed out '' .This is an obvious ploy to frustrate older consumers and to make them think they are unable to complete the process.I use my computer 's auto-fill capability so even a few seconds seem to be enough for the " session to time out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: My loan company accessed my personal phone records without authorization and called random numbers. The company is XXXX, I do n't know when and how this access was done but since I first learned this people have informed me XXXX called their number. These various people and arenumbers not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Credit card protection / Debt protection

Complaint: I requested a line of credit increase from Capital One on my Secured Card. At the time I opened the my secured card account I read on the Capital One website : credit line increases would be considered either by additional deposit of funds or review by Capital One. I received an update on the Capital One Message Center stating my request was denied for the following reason : " Unsecured credit line increases are not available upon request on Secured Card account. '' I chatted with Capital One to find out : 1. no funds maybe deposited to increase my line of credit, 2. the message I received concerning denial was not the real reason the line of credit increase was declined, 3. Capital One does not conduct periodic reviews or have a review schedule for a line of credit increase. I came away from the chat with the following : 1. additional funds may not be deposited which is contrary to advertisement, 2. inaccurate reasons for denial are provided by an account rep and communicated to the customer on the Capital One Message Center 3. The customer looking to improve their credit will not have a periodic review 4. Capital One does not have a periodic review schedule for any type of line of credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The TRAF Group (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. 

As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. 

Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. 

As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. 

To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have sent many dispute letters to XXXX and Experian in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with QC HOLDINGS INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar took over my XXXX XXXX XXXX mortgage XXXX XXXX, since then they have not accepted XXXX payment, took me to court and then my case was dismissed. I have copies of my payments and now 1 year later they are trying to forecolse on me again. I bought this property in XXXX and need to keep it. 
This company is not a comapny that wants to work with anyone they just want to over charge you and then try to steal your property. 
I currently have a renter in the properity and they served her as well on XXXX XXXX, XXXX and now she does'nt think she has to pay the rent. I want this resolved right away so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Meade Recovery Services, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had a judgement on a XXXX bill by Meade Recovery. They placed liens against my house without notifying us. The debt was discharged in our bankruptcy filed XX/XX/XXXX. 
This judgement continues to show as open and paid on my XXXX report. It is discharged and closed. Judgements were discharged. Liens have been scrubbed XX/XX/XXXX. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: The accoun manager at navient threaten to take away my car that is in my husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Payoff process

Complaint: I lost my job and had to stop paying my monthly payments in XX/XX/2016. I called Discover card today to try and settle my account. I spoke with XXXX from Discover card who after me opening up and explaining a very personal situation he began to judge me and basically school me like a child regarding my account. I felt very insulted at the way he was talking to me when I was the one who called them to try and settle the account. He began to assume the reason why I stopped payment and was not listening to the real reason why. I have been with Discover card for 16 years and have never stopped paying the account. I wanted to settle my account but he was trying to shame me as to why I hadnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has allowed XXXX to report inaccurate information for over five years on my credit report. After multiple times disputing with Equifax and XXXX I have now filed my first lawsuit against both companies. I have another lawsuit that is being prepared against Equifax. Equifax has put me through the ringer for over a year and a half. The XXXX account should not be reporting as it is incorrect information and must be removed. The account reported as a charge off on my credit file when they actually sold the debt. Once the debt was sold in XXXX 2010 it should have updated on my report to list as sold. I have disputed this multiple times with both companies and previously disputed with Equifax through CFPB. I am currently disputing this with XXXX through CFPB case number # XXXX. My previous dispute through CFPB against XXXX was closed out with a simple letter stating that they had responded to me last year. Well my dispute was not the same as the response they sent last year. I have now filed suit against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: {$25.00} debt incurred on XX/XX/XXXX. Debt thought to be resolved with XXXX XXXX after speaking with billing department they were going to re-bill insurance as insurance company had not paid bill correctly. Instead bill was sent to collections XX/XX/XXXX. Spoke with insurance, they paid bill in full and debt was removed from collections XX/XX/XXXX. Bill sent to collections by XXXX XXXX again XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am contesting Public Record Information on my credit report is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I have contacted the Bankruptcy Court and has confirmed that they did not " verify '' any information to the reporting agencies as stated. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am filing this complaint requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: PNC Bank reordered transactions on my account to make it appear that a check I wrote on XXXX/XXXX/16 posted and cleared my account on that same day, in order to assess to overdraft fees on my account. My account balance was at exactly {$.00} when I checked it throughout that day. When I checked my account on XXXX/XXXX/16 suddenly I had XXXX overdraft fees from a check I had written the previous day, and a transaction that was not on my account for {$1.00} the day before. I have attempted to resolve this with PNC, but they keep telling me that it 's " possible '' that a check can clear and post the same day, and they are refusing to refund me the fees they charged in the amount of {$72.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I contacted Equifax to let them know that their had been improper reporting on my credit report. I spoke with someone live XXXX XXXX, 2017. We went through every thing that was incorrectly reported. However, I received an email today stating to contact the original creditor. It is my understanding that The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. XXXXnsurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Deposits and withdrawals

Complaint: When Capital One Bank receives funds by EFT, it refuses to make those funds available for 5 business days. I know that such delays are intended to protect them if the funds are not honored by the source financial institution. That makes some sense for a check, but not for an EFT, unless Capital One can make a case that the source bank creates EFTs without underlying funds, which seems preposterous. Some banks other than Capital One have no such delays for EFTs ; some others I know have delays of a day or two.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Apelles, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company placed item on my credit that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation