milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Payoff process

Complaint: About XXXX 2015 I accepted a promotional balance transfer ( {$4000.00}, 0 % interest for 16 months or similar, for a 2 % = {$80.00} transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment XXXX applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of {$1200.00} + {$790.00} = {$2000.00} from XXXX XXXX, and payment made on XXXX XXXX. I made sure to pay after the ( pending ) had changed to ( posted ). 
Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid {$80.00} for, and punishing me with unjustified interest charges ). This already seemed to have happened in XXXX ( confusing ). I had a long phone call with CHASE XXXX XXXX regarding unreasonably high interest charges. On XXXX XXXX I bought airline tickets for {$2000.00} and for {$340.00} which posted on XXXX XXXX and XXXX XXXX, and I made payments for the same amounts XXXX XXXX and XXXX XXXX, which posted on XXXX XXXX and XXXX XXXX. Yet on my newest statement received today ( XXXX XXXX ) interest charges where again too high. I called, and after being escalateded up XXXX levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: My husband and I are XXXX XXXX that feel our rights have been violated. Our phone seems to have someone screening our calls letting certain calls go through and stopping others from going through. Our computer does what it wants to do and not what we want. My Mortgage Company seems to be taking money and pretending I still owe it to Foreclose early on my property, They appear to be trying to rush me into early foreclosure while calling me everyday and every hour of the day/ These calls are making me sicker by the day. I am not supposed to be behind on my Mortgage, however they are demanding {$2000.00} plus dollares by XX/XX/XXXX when my payments is {$780.00}. Taxes and Insurance included. I just paid {$800.00} plus dollars almost {$900.00} XX/XX/2016 they said they are holding it but it needs to be applied to my loan to show that I am paying my Mortgage. 
XXXX XXXX XXXX XXXX has been taking my XXXX retirement check for the last 2 Months which prevents me from writing checks and now we have to purchase bank checks, We need an attornehy to come and sit down and talk with us on a one to one to let us know what our options are. I do not trust Wells Fargo Mortgage Company, XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX they have all contributed to me losing my excellent Credit rating and now we can not get credit any where in this town. We need help. ( Anonymous ) I am being told one thing and they are doing something else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.

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 06/28/2017 about Debt collection (Auto debt) with Jonathan Neil & Associates, Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Re : CareCredit On XX/XX/XXXX, I had dental work done, and my dentist suggested opening a CareCredit account, since there was " no interest, and I might as well pay off my dental work slowly, with no interest. '' So I opened a CareCredit account at my dentist 's office at that time. My original debt was {$2500.00}. 

I set up my CareCredit account for automatic payments from my checking account, and didn't think about it, because I knew there was no interest. 

Approximately a month ago, I looked at the balance remaining to be paid on my CareCredit, and was surprised how high my balance was ( {$1500.00} ), considering how long I'd been paying this loan. 

I emailed CareCredit asking for detailed information on my loan. A few weeks later, I received statements in the mail for the past year ( 2017 ). This is when I realized I had been paying 26.99 % interest on this loan, for the past four and a half years! ( I learned later I actually paid interest for three and a half years. ) I called CareCredit today and spoke with Customer Service agent, XXXX. I explained the situation to him. He was " sorry for the inconvenience. '' I asked specifics of my loan. The original balance on CareCredit was initiated XX/XX/XXXX for {$2500.00}. Apparently, on XX/XX/XXXX, the promotional period ended and I began paying 26.99 % interest! The interest I've paid since XX/XX/XXXX ( {$2500.00} ) is more than the amount of my original loan! 

I paid the balance off today, and closed my CareCredit account. 

In XX/XX/XXXX, CFPB ordered CareCredit to refund {$34.00} million for deceptive Health-Care Credit Card enrollment. The CFPB investigation discovered 1 ) Deceptive Enrollment processes ( " service provider misled consumer '' ), and, 2 ) Inadequate disclosures ( I did not " receive copies of the actual CareCredit agreement, and instead had to rely on the office staff 's oral explanation. '' ) I was a victim of both of the above, however, wasn't notified of a settlement, and wasn't reimbursed. 

There was an enforcement action that was ordered to CareCredit. That enforcement action included : " New disclosers to consumers will include improved descriptions of the deferred-interest product, and CONSUMERS WILL BE WARNED IN ADVANCE WHEN THE PROMOTIONAL PERIOD IS ENDING. '' I was not warned or notified! Therefore I unknowingly and deceptively, began to pay 26.99 % interest for three and a half years.

Total interest I've unknowingly paid ( until now ) is {$2500.00}. CareCredit did not abide by CFPB enforcement orders for full discloser given to them on XX/XX/XXXX. Therefore, I want to file a claim to CareCredit, through CFPB, to be reimbursed the full amount of interest I've paid to CareCredit, {$2500.00}.

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 06-10-2016 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I sent a check for total amount due on X/X/2017, Capitol One took XXXX from my checking account with XXXX XXXX XXXX XXXX.on X/X/2017 ( PENDING ) then banking statement showed XXXX out of my account on X/X/17 That was the full amount of the purchase using y XXXX credit card.I then received a past due notice with charges of XXXX fee charge and a total due of XXXX.on X/XX/17 I called Capitol One, spoke with XXXX..Explained my payment was taken out of my account on XX/XX/XXXX..this was not past due!!! He said the was an error with my account..he further explained that Capitol One uses a formula for billing, my check was received on X/X/2017, but billed for X/X/17..that would mean a later payment..I now have another bill from XXXX for XXXX..past due charges that are growing ... my purchase was XXXX paid in full on X/X/2017..now I 'm being charge fees totaling XXXX extra?? XXXX also said there was a fee of an extra XXXX XXXX dollars added to the past due amount, but would not say what this fee was for ... when I asked for an explanation of the totals that do not add up

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Experian I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.

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 07-01-2015 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (OH).
Issue: Fraud or scam

Complaint: I purchased a money order from XXXX on XXXX XXXX 2015. When I got home I mobile deposited the money order from my phone. When I did so the bank gave me a message reading, " the funds will be put on hold for 5 days '' well I could not wait 5 days so I took the money order back to the store I purchased it from and got my my money back. I knew that the bank was going to charge me for that but after the 5 days they did not charge me. A week or so later I got a letter in the mail from XXXX stating " I cashed a check at XXXX and the check was stamped altered and fictitious '' I called XXXX and talked to XXXX XXXX and she stated I cashed a fictitious check mat XXXX and I need to bring them XXXX. I told XXXX XXXX I never cashed a check there but I bought a money order there, brought it back and cashed it cause I bought it from shop and go. She insisted I cashed a bad check. I told her a check and a money order is XXXX different tools and I gave you the money to get the money order and came back and got my money back so the store did not loose out on Money they never had. The conversation got heated and XXXX XXXX called XXXX XXXX XXXX told him I passed a bad check and I got a call from detective XXXX stating I need to pay XXXX XXXX dollars or I 'm going to get arrested and charged with passing fictitious check. I told XXXX that I did n't cash a check I cashed a money order that I bought with my money how is that a check and how is a money order I purchased with my money that I took back to the same store I purchased it from and got my money back XXXX stated " cause western union took the money out of XXXX account and would not pay them '' I said pay them for what that was a money order not a check. I ended up taking XXXX dollars more of my money to pay XXXX and I had to call western union money order to get my funds back from them. I sent certified receipt money request for to western union money order to get my money back on XXXX XXXX and someone from Western union signed for the mail on XXXX XXXX. When I called western union they stated they do n't have the forms I said someone signed for it on the XXXX. The lady XXXX at Western union told me to fax to her and I said I do n't know what is going on but you all have the paper work and I should n't have to be resending anything you already have it. To make a long story short the money order had a stop payment on it and I did n't put it there and they did n't pay XXXX I did so now I need my XXXX dollars from Western union and they giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.

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 06-10-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Other fee

Complaint: In XXXX XXXX I requested a balance transfer in the amount of {$4500.00} ( 0 % APR till XXXX XXXX with 4 % one-time balance transfer fee ). It was approved by my Wells Fargo credit card and I paid {$180.00} balance transfer fee in XXXX XXXX. At that time I also had a balance of {$1700.00} as a result of my credit card purchases. In XXXX XXXX I made a payment in the amount of {$1800.00} to pay off my credit card purchases. I assumed that Wells Fargo would no longer charge me interest fees as I already paid for my purchases and for my balance transfer. In XXXX XXXX my balance was {$4200.00}. However, later I discovered that they were charging me interest fees. Overall during the next 4 months they charged me {$70.00} in interest fees. 
At the XX/XX/XXXX I called them and was assured that this is a mistake ( usually clients ' payments apply to a higher-interest balances ). They promised me to look into that again and fix everything within 3-4 business days. About a week later I called them again and they took completely different position. They told me that they divided my XXXX payment between my balance transfer and my purchases balance ; therefore, they charged me interest fees. I did not plan to pay my balance transfer in full or partially before XXXX XXXX. I only planned to make minimum payments. So, I am puzzled why they divided my XXXX payment and did not apply it to my purchases balance. I attached all my statements. Thank you, 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 03-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with Convergent Resources, Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.

Company response to consumer: Closed with explanation