milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I opened a credit account with  XXXX   XXXX   XXXX  ( Comenity Capital Bank ) that required payment in full by   XXXX   XXXX    2017 to avoid pa ying accrued interest charges.  <P/> I mail ed (  USPS  1st class ) fu ll payment on   XXXX   XXXX  , 2 017   . This payment was not posted to my account until   XXXX   XXXX   , 20  17, thus incurring {$290.00} in interest & fees. I have subsequently   received a bill for an additional {$7.00} in interest. Bringing the total to {$290.00}.  <P/> On   XXXX   XXXX   , 2017  , I s ent a letter disputing these charges to Comenity Capital Bank and have not received any type of response.  <P/> I strongly believe that I have been treated unfairly, as my payment in full was surely received by the due date ( and the inexplicable lag  on 28-days be tween mailing and payment posting dates ).  <P/> In hind sight, I would have send this payment with some sort of tracking, but even at age  XXXX , I still hold the belief that people and the businesses that they operate do the right thing.  <P/> Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I bought a little red XXXX XXXX XXXX from XXXX on XXXX in XXXX XXXX the first year of my XXXX  career, in XX/XX/XXXX, and paid Wells Fargo for 5 years : {$360.00} per month. ****A month before the end of the loan, they arbitrarily charged me an extra {$600.00} when I applied to get the title.I knew I was being wronged! I called them repeatedly and discussed the problem with customer service. They could never explain what the fees were actually for, and could not guarentee they were valid!!!
They said these were " various fees. '' I refused to pay various fees to get the title. I went to the local branch and lodged a complaint as well.
They quickly repossessed my car -- it dissappeared!
I paid them {$360.00} for 5 years!
I was devestated. I called an attorney but he told me no one would tangle with Wells-Fargo -- I should have just coughed up whatever they wanted, even if wrong.!! My credit was dinged badly. It was 2 years before I could afford to buy a used car off XXXX. I walked everywhere. I was a single Mom, suffering from XXXX, and did not even have a car to get to my XXXX job. Because of very ill health due to XXXX, I had to leave the job anyway. This was a real turning point. It there any way you can find my records with Wells-Fargo and help me recover any damages? I see in the news that they are STILL CHARGING ARBITRARY FEES WRONGLY. Often, people will nt find out -- until they try to get the title!!!! I do not have my records anymore.I saw my car being offered on a " lemon '' website -- my car was utterly in perfect working condition! They were trying to get {$4000.00} for it. I paid {$360.00} a month for 5 years -- and would have happily used the same car for 5 more years! What a mess! And what a nasty thing to do to a vet!!! Personal information -- -do not publish this part below -- -- XXXX XXXX . XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX SS # XXXX DOB XX/XX/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 05-04-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Credit card company continues to call each hour after being sent bankruptcy filing information along with the fact that I told them that I can not accept calls at work.

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 01-03-2017 about Money transfers (International money transfer) with RIA FINANCIAL (GA).
Issue: Fraud or scam

Complaint: I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} XXXX XXXX. ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and XXXX XXXX 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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This happened XXXX XXXX 2017- Capital One bank ... 

I want to delete this inquiry from my credit report. I didnt ask for credit in the company

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Ive been battling Identity theft for almost 4 years now and counting, XXXX and various other accounts were opened in my name. On numerous occasions i 've tried for years now to remove XXXX this fraudulent account MY CREDIT REPORT, however to no avail. They 've refused to send any Documentation regarding these fraudulent accounts, in accordance to Fair Credit Reporting Act Section 609 theyre mandated by federal law to furnish upon request, they refuse in which violates the FCRA and my consumer rights. ( VIOLATION NUMBER # 1 Also to add more insult to injury these nordstrom customer service reps even told me they have no information on this account and the information is off, Nevertheless what truly baffles me is how this creditor can continuously rely back to the credit bureaus indicating " Verification '' of this debt being mine when they refuse to send me any correspondence after countless letters and phone calls. VIOLATION NUMBER # 2 Under section 611 ( 5 ) of the FCRA clearly indicates creditors are required to promptly delete all information that can not be verified immediately.!!!!!!!!!! VIOLATION NUMBER # 3 I  ALSO RECENTLY SENT LETTERS WITH FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT ON XXXX XXXX 2017 AND CALLED AND CALLED THEY CLAIM THEY HAVENT RECEIVED ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Medical) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are more than XXXX medical bill that I have submitted an individual dispute on just certain credit bureaus, that have been taken off of my credit because they did n't respond within 30 days like they are suppose to. So I want to dispute everything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Complaint : Following the authorization of a one-time charge scheduled for XX/XX/XXXX, XXXX XXXX charged my checking account at least 55 times. Upon receiving notice of these charges, XXXX informed me of an additional 19 charges. Most, but not all, of these charges were refunded. However, on XX/XX/XXXX XXXX charged my account an additional 4 times without issuing a refund. 

I waited more than 45 minutes on hold to speak to a customer service representative on XX/XX/XXXX and more than 60 minutes on XX/XX/XXXX ( see pp.5-6 in attached .pdf ). Although XXXX customer service representatives acknowledged they had never seen this problem before, they refused to provide any information verifying the number or dollar amount of the charges or refunds. 

Timeline / Notes : XX/XX/2018 - Attempted one-time payment with debit card via XXXX website. The website returned an error message stating the payment had not been processed. 

XX/XX/2018 - XXXX charged my checking account 55 times for the payment. The account was refunded 51 times. XXXX customer service admitted to an additional 19 charges that were visible on their end. ( See pp.1-3 in attached .pdf ) XX/XX/18 Call 1 - Despite confirming the charges on their end, XXXX required a bank statement showing the charges from me before they would create a ticket - Although they stated they would resolve the issue, XXXX refused to provide me any evidence verifying how many times they charged or refunded my account. 

- When asked directly, XXXX customer support confirmed all charges would be cancelled / refunded and the one-time payment would not be processed. 

XX/XX/2018 - XXXX charged my checking account an additional 4 times on the morning of XX/XX/XXXX. As of the time of writing ( XXXX XXXX ) the 4x charges have not been refunded. ( See p.4 in attached .pdf ) - XX/XX/18 Call 2 - XXXX customer support team lead advised the 4x charges were authorized on XX/XX/XXXX. No such authorization was granted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: On X/XX/17 is when I began short sale application process. On X/XX/17 is I contracted with a listing agent to coordinate short sale. From XXXX am accessive amount of multiple tedious tasks were requested by Wellsfargo where the realtor and myself were responsive and thorough. On X/XX/17, the requirement to have the pre foreclosure sale addendum signed by 6 different parties without acceptance was completed which is the final and most challenging task was submitted in time. Signatures included the realtor, the realtor 's broker, the buyer, title agency, the short sale assistant, and finally myself. I 'm the midst of all of that Wellsfargo mandates the listing price of less than 30 % market value which stimulated a frenzy. The last and final date on X/X/17, Wellsfargo mandate a listing price of {$130000.00} which is {$81000.00} more than the initial listing which cause stress, frenzy, and unnecessary buyer chaos. Ultimately Wellsfargo sold the property at auction.

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 04-09-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was late on my Kohls Charge card payment. I received automated phone calls regarding the debt. I called Kohls credit department to inform them that I would make a {$240.00} payment on XX/XX/XXXX. When I attempted to make a payment online, my account was not accessible. I called on XX/XX/XXXX to make a payment and I was informed by the Kohls credit department that my account was sent to a third party collection agency. The Kohls credit department asked me to call XXXX. 
Kohls credit department said they were told I filed for bankruptcy. 

I am worried my credit report will reflect a lie. I have not filed for bankruptcy. 


Please help me fix the error. I would like to pay my bill/debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (VA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I send bill pay a XXXX payment monthly and I can't contact them about balance or amount owe in the beginning and now I keep sending monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX no bill no record as to where the funds are going what my balance is to date no reply web site closed down

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been having issues with Navient for at least two years. I complained to them over the phone but have never sent a written complaint. However, I gotten to the point that my last option is to ask my parents to pay my loans. 

Beginning about two years ago, I called Navient asking them to help me with my loans because I had been paying them on time and had been a good customer, but I was no longer able to make the payments. I asked for options and was given none. At the time, even lowering the monthly payments because of finances was 'not available ' be me. 

I was hoping to put my loans into forbearance, but had apparently run out of time. Something of which I thought I had at least a couple more months of but trusted that they kept better records than me since I live out of the country at the moment. 

After some time, I called back and complained and was offered a chance to lower my payments based on my income. Though, this was after several attempts to contact Navient and failing to get through. 

Something I just discovered through an article written about the government suing Navient this month is that I can get my co-signer released. This is an option that I was never given before, even when I had mentioned that I wanted to make sure my co-signer was not affected by my ability to not pay. 

Time and time again, I have not been given options when I contact Navient. Each time I feel I am informed about my rights or my status with Navient, I feel that they have backed me into a corner. 

Aside from the lack of information and the times they have blatantly not informed me of my rights, Navient 's customer service workers are rude and overbearing. I often feel I am discussing my loans with a loan shark or mobster than the people who are supposed to be there to, at the very least, advise their customers. 

Navient is not a student loan company ... they are in the business of draining students of ambition, hope, and life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

Sincerely, XXXX 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 07-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Total Current Balance : {$64000.00} Loan Due Date Amount Status Auto Pa y 1-01 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due 1-03 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-04 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-05 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-06 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-07 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-08 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-09 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-10 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-11 Direct Loan - Subsidized  XX/XX/XXXX 2017 {$0.00} No Payment Due 1-12 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-13 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-14 Dir ect Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due Total Current Balance : {$64000.00}  XXXX  College started at :  XXXX , they add a additional  XXXX  prior to starting payments

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: remove from my credit report XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: I was given a credit card account by USAA in which I received zero percent interest on purchases until XXXX. This is now the third month they have continued to charge me interest on purchases. They have also opened another account without my permission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief