milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with Ceannate (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My mother and her ex friend received a call and I have no clue as to how their number was obtained

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Five years ago I went to Wells Fargo to get a CD for {$5000.00} for five years for 1/2 % interest. Last week was the five-year maturity date, I went to the bank to cash it out and was told that Wells Fargo gave me the wrong product five years ago. I did n't know this at the time, that the product I was given was not the product I asked for. The manager explained that usually when people come in and ask for a CD, it 's because their accountant told them to get a retirement account. Wells Fargo thought that 's what I was asking for. Five years ago, the Wells Fargo banker was n't listening to me and gave me the wrong product? I do n't have enough knowledge to know it was the wrong product. I ask for a {$5000.00} cd at 1/2 % interest for five years and Wells Fargo gives me the paperwork to sign, which I do, not understanding the difference between what I asked for and a retirement CD. 

This morning a manager from Wells Fargo Branch in XXXX XXXX, CA on XXXX and XXXX XXXX XXXX. ( where this deal originated ) to let me know that because I signed their paperwork, there is nothing they can do to remedy this situation. So Wells Fargo got my {$5000.00} for five years and I 'm told that not only will I not get the $ XXXX interest I thought I earned, but I will be penalized for taking the money out " early '' when I turn XXXX years old in XXXX ( have to wait until XXXX or I 'll be penalized even more! ) I will get less than my initial {$5000.00}, because 11 % will be deducted to pay state and federal taxes or fees or whatever you want to call my hard earned money that I get to give away. Wells Fargo benefits from keeping my money for five years without having to pay me anything and the government gets their fees, and I get to pay both of them for my trouble. 

These too big to fail banks are getting away with too much, they need to be broken up. Why is it that they can launder drug money ( Wells Fargo bought Wachovia ), crash the economy in 2008 by selling loans to people who could n't repay them, take billions in taxpayer money to recoup their losses, pay lobbyists to weaken the new legislation trying to rein them in, and steal money from people like me who have no leverage make them to do what is right and correct their mistakes - with no negative consequences for the banks? 

I used to work as a XXXX. When my clients were about to sign disclosures and contracts, I sat down with them and reviewed each paragraph to make sure they understood what they were signing, I had a fiduciary responsibility to do so and I took that responsibility very seriously. Wells Fargo should have taken the time to review with me what I was signing to make sure I was getting what I asked for. I hope you can help me. Thank you. PS : I 'm voting for XXXX XXXX because he 'll work to break up these banks, they are doing so much harm to all us and our economy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: Last year this company reached out to me by sending me a check in the mail. Ad the advertisement to accept the loan, I just deposit the check. Well I was I just stuck in a place and had to accept the loan. The terms are 9 monthly payments of {$98.00}. When I was reaching the end of the loan after making all payments on time, they blocked me from being able finish the last 3 months of payments. I defaulted. Well they reached out and forced me into a refinancing that loan causing me to start my payment cycle from the beginning. This time made all payments on time and they have blocked me from being able to finish making the payments. The website will not allow me to make a payment because they want me to refinance this same loan from last year to continue making payments. I do not want to do this I want to finish paying this loan off and be done with them. All my payments have been made on time as the requirements of the contact. Last month they called me 2 days after my loan was due asking me to pay them more money. When I had made the payment two days before. The loan place is Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Their phone. Number is XXXX if I was to default on my loan they would file a law Suite against me.

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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.

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 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I made an attempt to receive my free report from Experian via the usa.gov website but received an error and was instructed to call Experian for further instruction. Additionally I tried freecreditreport.com and was unable to obtain my report. The website would not allow me to progress beyond step 1. After entering the information, it would clear the information and force me to start again. After several attempts I decided to contact their product support and was unable to rectify the issue, being told to try again later and/or use XXXX on a windows computer ( what year is 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
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Everest Receivable Services Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named 'everest receievables ' contacted me by phone and by mail to collect a debt for exercise nation, which is a gym that i never had a membership with. Everest claims i owe XXXX dollars. This is a false debt. I am in the process of mailing them a written letter stating such and to cease contact with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have my student loan serviced now through Navient. I have also submitted by complaint and concerns to Navient, but to no avail. Navient was responsible for the decline of my credit score and reporting information that was erroneous solely because of Navient dropping the ball. I faxed over my banking account information and called them repeatedly to ensure that my loan was being taken out of my account so that payments would be current. I did not find out until it was too late that they never took out the payments and that caused me to fall three months behind. I do not regularly check my checking balance, it is not necessary as I know what is taken out and keep a balance from falling below a certain level. I truly feel their not taking out the payment was done purposely and with intent to have this negative reporting. I sent them all the paperwork proving that they received the information. i spoke to numerous managers and staff to try and have this reversed. They are somehow " blaming '' the government for this, I do n't understand how that makes sense, but regardless, it was them dropping the ball on this. After the fax was received, I spoke to a customer rep who assured me they had it there and the payments were being taken out. 
Not only is this the only issue with Navient. I have been told not to make extra payments, I have been charged interest while on forbearance, they never looked into other options for me. 
This whole loan process has been a disaster and I called them asking for an audit of my account, and I was refused. Please help me figure this out and because of this negative credit reporting, I am unable to get credit cards, take out a mortgage or do anything credit related. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: I ordered a prepaid Capital One credit card to help with my credit report. Back in XX/XX/XXXX I was the victim of identity theft and reported this issues to Capital One while trying to make payment on my credit card. XXXX XXXX gave me a due date to pay by XX/XX/XXXX or the credit care would be permanently closed. I called on XX/XX/XXXX only to find out the Capital One closed the account and asking me to pay a balance of {$460.00} of money that was never grants to me. I use the money that I put on the credit card and pay it back in a timely manner to help my credit. Capital One is now reporting this on my credit report as late and sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There was a violation from the XXXX XXXX XXXX. Which was n't mine because the vehicle was stolen. I notified them and the account was sent to collections. I disputed the collections with the collections company Linebarger Goggan Blair & Sampson LLP back on XX/XX/XXXX and also on XX/XX/XXXX I have called twice and still no resolution to collections matter. I called today XX/XX/XXXX and they stated it is still under review. I tried also calling the XXXX XXXX XXXX and they referred me back to collections, I do n't believe I should have to wait 3 months for a reply on debt that is not mine. I want it cleared up asap.

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 Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I applied for student loan forgiveness on the form sent to me for such purpose by Sallie Mae. 
I sent the completed application to the proper address per the instructions given by Sallie Mae for XXXX unemployable veterans because of a XXXX service connected XXXX. Sallie Mae 's instructions for XXXX veterans that came with the form state that no physician 's statement is necessary to be completed in the case of service connected XXXX veterans. However, the only part of the application that I did not send to Sallie Mae via certified mail was a physician 's statement. I completed every line of the application other than the physician 's statement. Sallie Mae wrote back in response to my application that it could not review my application at this time because my application was incomplete. My first payment is due in four days which is not enough time to resubmit another application no different than the one I have already submitted. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: I filed Chapter  XXXX   XXXX . XXXX , 2010. At the time I filed Chapter  XXXX  I was due for  XXXX  2010-   XXXX   2010@ XXXX . I paid   XXXX   to the   XXXX   different mortgage company. Chase proof of claim was incorrect. The fees that chase stated that I owe was included in a   XXXX   2010 loan modification. After the 2010 loan modification chase did n't do any of the things on the schedule A. All those things was done prior to the 2010 loan modification. I only owe   XXXX  . I enclose the Schedule A that was include for chase proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: First adn foremost my account is with Caliber HOme Loans which apparently took over for XXXX. I have been trying for months to get ahold of them, and for some reason they claimed that i put a CEASE and decist order on the account whICH did n't come from me - so for months no communication and DELAY in getting the process started. Secondly, they have misapplied payments as some payments were made from my account, and my husbands account, They refuse to credit the account.. NOW here we are XXXX, my house is set for foreclosure XXXX XXXX, i have fa'xd, emailed, sent everything MULTIPLE times, each time i am missing yet something else, they add something to the list, every rep i talk to tells me something different, XXXX tells me they need XXXX more piece, another XXXX tells me they are missing multiple pieces, even the mail tells me a different story each and every time i get correspondence - MEANWHILE - my husband and I are both working after being unemployed, we are getting back on our feet, and trying to get the bank to help. We even tried a couple of times to make payment. I tried over the phone, and online and they wont accept any $ $ to keep us from getting more behind. It is our assertion, that they are ON purpose making this hard. i cant understand why the process has not started I can not lose my home, i am supposed to be protected under the bankruptcy that we filed a few years ago, i take care of my XXXX parents and my XXXX niece ... i feel that this has been the most stressful process EVER - and im frustrated and scared

Company response to consumer: Closed with explanation