milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, This has been an ongoing issue since XXXX XXXX. In late XXXX of XXXX, I called Capital One to advise my payment would be late, I also asked at that time if the late fee could be waved as a courtesy. The rep I spoke with said yes it would be, and to call back when my payment had posted. I made the payment on XXXX XXXX. I called back and was basically given the run around. At this time it was {$23.00}. Instead of complying with the customer, and just giving me the credit, I had the unpleasant misfortune of speaking to a few gentleman, that were very rude. With the exception of the first rep I spoke with. 
Endless calls, being transferred to this department or that department etc etc. Over at that time {$23.00}. This has now escalated to them demanding {$100.00}!! I paid XXXX payment on time as well as XXXX. Before the due date of the XXXX. I firmly believe this is unfair business practice. Now the endless calls have started. 
I am so done with this. I am a senior citizen with 2 XXXX XXXX. Stress from this issue is not helping matters. If they had done what they said they would do, which was to credit that one late fee, this would not be happening. I 'm very upset about this. 
This is my second attempt to get resolution in this matter. My account right now should be current with the exception of owing my next payment which is due XXXX Extremely frustrated and stressed over this. All this for a late fee that they said they would credit me for.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with BlueChip Financial (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from  XXXX  called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX  County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said  XXXX , I asked why there were representing themselves as  XXXX  County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Credit Karma, Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Addresses you 've never lived at or used as a mailing address

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: Bank of America just last week, without warning, closed all XXXX of my credit card accounts with them. I just got the letters on the weekend, they were all identical and all dated XX/XX/2016. There was no apparent reason for the closure other than my having actually USED the accounts, you know, as in, I dared to actually use the amount of credit they had already assigned and granted to me! -- and another reason cited was " the state of the overall economy. '' As a result of closing absolutely everything, when I asked again today to have a NSF fee reversed as the payment had been made a month ago from a different account, not XXXX which got me in trouble with this payment when they closed my line of credit without telling me and without a reason. So in speaking to Bank of AMerica today, I was told first that the agent " could n't understand why it would not reverse '', and then she said " oh, the reason it wo n't allow me to reverse it is because the account is closed. '' So I told her that I had originally requested that the {$26.00} fee be reversed on XX/XX/2016, in other words more than a month ago when I had made the {$76.00} payment from my other bank ( XXXX ) account -- -and when my XXXX Bank of America accounts were all open. Apparently the request was forgotten, lost, pigeon-holed, or denied without telling me, because it was never reversed. I just got my credit card statement yesterday and in looking for that reversal I noticed that there was no reversal of the {$26.00} fee as I had requested, so I called to get that fee reversed today and that is when I was told that NOW it " could NOT BE REVERSED because the account was closed. ''

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 monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have submitted two complaints to the CFPB regarding egregious errors that Equifax has made on my credit report. I pay for monitoring services through Equifax and as of XX/XX/XXXX, Equifax will not allow me to access updated information of my credit score and reporting information. Additionally I included a consumer statement in an effort to explain the drastic changes in my credit report as a result of Equifax 's errors which was n't been included on my credit report.
Additionally, the Equifax monitoring service has been paid for the month and is effective till XX/XX/XXXX. I have contacted Equifax 's technical support and they advised that the research will take longer then the remaining time of my active account with them. I believe this action was retaliation of the complaints filed against them. I ask them for a credit for the days that I am unable to access Equifax data that has been paid and was told there was no way to provide a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with The J. G. Wentworth Company (TX).
Issue: Application, originator, mortgage broker

Complaint: On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). 

On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. 

Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. 

As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The complaint is with Navient. 
Navient refuses to provide the outstanding balance on loans when interest is capitalized or payments are received. Their online service only provides the original loand amount and the current balance. However, when viewing transaction history, the total balance is not shown, only capitalized, charges, and payments. Upon calling to ask for balance amounts before and after payments, all supervisors refused to provide me with this information. I was instructed to take the original loan amount and manually go through the transactions line by line ( from origination date in 2007 to present ). 
The practice of refusing to show a running balance due per transaction hurts consumers, and can esily lead to unscrupulous or abusive practices, as the consumer is essentially 'flying blind ' on the total due per each transaction. 
Upon speaking with Navient, they were unwilling to provide a transaction history with all transactions listed and how the balance has increased or decreased. This should be mandatory to provide this information to consumers upon request. Please investigate the legality of this practice by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

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 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Collection Bureau, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Customer service / Customer relations

Complaint: I 've had an American Express XXXX XXXX for years. In XXXX 2016 I applied for, and on XXXX XXXX received an email that I was accepted for, an American Express Premier Rewards Gold Card. I received a letter in the mail confirming such a few days later. The card was supposed to have been sent then. 
After waiting a couple weeks for the new Gold Card, I contacted American Express through their online chat ; the rep said I would receive it in a few days but I did n't. Twice more when the card did n't arrive I chatted with a representative, each of whom said I would receive it in a day or two. However, the only thing they did was cancel my OLD ( XXXX ) card, which I did n't ask them to do. This was a big inconvenience, as in cancelling the old card, they also changed the number. And, I never received my new, gold card. 
Today I chatted online yet again with an American Express representative, 'XXXX ', who did not seem to understand XXXX well. Or perhaps she was just a poor reader. She said ( wrote ) that I had phoned to cancel my old ( blue ) card, which I had not. ( She told me to call a number to report the fraud, but I told her to do it as I 'm tired of dealing with incompetent American Express representatives ). She did n't seem to understand or know anything about my new gold card which was supposed to have been mailed to me a month ago. So I asked her to transfer me to her supervisor, which she did ( XXXX ). 
XXXX at least seemed to understand XXXX, and said that my new ( gold ) card had been mailed to me XXXX XXXX. Although two previous representatives with whom I 'd spoken had given me other ( earlier ) dates that the card was supposed to get to me, so I do n't trust that it was mailed XXXX XXXX either. He told me to phone a number to see where the card was. However, I had no desire to waste my time dealing with yet more incompetent American Express representatives, so I asked him to phone them, but he said he could n't. Nor was he able to email me or send me a message through the web site about his communication with them. 
Finally I told him to cancel both my old blue card and my ( non-existent, never arrived ) gold card. 
It is absolutely pathetic that American Express is incapable of dealing with such a simple process as sending out a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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 previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute.

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.

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 12/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.

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 12-06-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I initiated a dispute with USAA after I had my screen replaced on my cell phone. The merchant sold me faulty equipment. I provided USAA a copy of the receipt as well as a receipt from XXXX indicating that the equipment was faulty. USAA has repeatedly failed to communicate with my via the agreed method " My Documents '' my old checking account was reopened and on XXXX USAA forced a withdrawal from my account. I spoke with " XXXX '' in Deposits and banking on XXXX indicating my confusion she stated that I failed to respond to the request for information that was sent to " My Documents '' and that I failed to prove anything. I asked her to please point out where in " My Document '' I could find this communication she placed me on hold and proceeded to tell me that it was n't there. I asked her what the reparations would be since I am unable to use my account she said the only thing she could do would be reopen the claim but it was unlikely to do any good. I repeatedly asked her how this was right because I was not able to respond to a request for information if I did n't receive the request. She declined to answer. When I continued to push for a response she repeated if there was anything else. I again asked her how was USAA going to fix this she declined to answer. I asked for a manager she refused and said that they would only re-open the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other fee

Complaint: Today ( XXXX/XXXX/16 ) I was reconciling my Chase Mileageplus Visa statement received on XXXX/XXXX/16 and noticed that the credit card company charged my an annual {$95.00} fee. When I signed up for this card it was a free card - I did not realize that the fee was only waived for 1 year. I did not receive any notification that I was being charged the {$95.00} nor did I sign any kind of charge slip or acknowledgment to pay the {$95.00}. It was just placed on my account. I called the Chase Mileageplus Visa today to cancel the card and was informed that I am past the 30 days from the statement date ( XXXX/XXXX/16 ) and therefore the charge will not be refunded and they will not prorate the charge. I am 9 days past their deadline, and I explained that I just noticed the charge. I suggested that the charge be prorated and they refused to do that. Again, I did not receive any communication letting me know that they were charging me {$95.00}. I spoke to a manager who could not do anything, and she indicated that I could mail or fax information to headquarters or some place. A fax machine in 2016? I asked for an email and she indicated that they did n't have one. 

In addition to the annual fee, one of the reasons that I am cancelling this card is because the XXXX XXXX passes that they offer as a benefit are not be accepted at many of the locations including my home airport in XXXX. It is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a problem with my checking account as a result of my purse being stolen, along with my check book and sensitive financial paperwork. As a result, I contacted SLS and the representative XXXX suggested I make my payment by XXXX and cancel the scheduled payment I had set up from my checking account. The payment was scheduled for XX/XX/2017. XXXX cancelled the payment & I made a XXXX payment on XX/XX/2017. However SLS still processed the previously canceled bank draft. I received a letter from SLS indicating that I now had an additional NSF on my account. If I get one more I will be banned from check payments for 6 months. This is their mistake, I cancelled the draft, on their recommendation, well before the scheduled payment.

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 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: MY LAST LETTER TO EXPERIAN WAS WRITTEN ON XXXX XXXX, 2016. I HAVE NOT HEARD BACK FROM THEM. THEY NEED TO CORRECT MY PAYMENT HISTORY WITH THE XXXX CREDIT CARDS PER THE ATTACHED LETTER.

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