milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Making/receiving payments, sending money

Complaint: As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. 

Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not removed it.

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 09/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.

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 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.

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 07/31/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated calls from without leaving a message from a number i do not know XXXX. I finally answered and it was someone claiming to be from XXXX XXXX trying to collect a debt from XXXX years ago and wanting me to submit payment over the phone of {$1800.00}. This debt was charged off according to the caller, however, i have no recollection of even having a XXXX XXXX account then. I keep up with my credit report regularly for several years now and have not seen this at all. I told XXXX that I am not submitting any kind of payment over the phone for a debt I know nothing about and asked no one call me again about this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX there were 3 fraudulent transactions made on my account at 3 different locations. 1 ) {$220.00} XXXX XXXX XXXX XXXX, Ca 2 ) {$40.00} XXXX XXXX XXXX, Ca which I was reimbursed for. 3 ) {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, Ca. I logged onto my Bank of America mobile account on XXXX/XXXX/XXXX and contacted fraud claims immediately. I was then reimbursed within the next couple days for all charges. 1 month later 2 of the reimbursements were reversed stating it was not fraud. Ive contacted Bank of America multiple times at requesting information regarding the charges and Ive been getting tge run around for going on 6 months now. They claim I needed a police report so I tried filing one but police dept wanted evidence in which Bank of America failed to send. I was at work on the clock at work the days the transactions were made with no possible way of me making these purchases. I dont understand how one charge was found as fraud but the other 2 were not when they were made within minutes.

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 07/13/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XX/XX/XXXX auto scheduled payment to Bank of America credit card was rejected due to invalid account #.

XX/XX/XXXX when i try to access online bill pay, i'm given an error message to call technical support. because i'm locked out of bill pay, I can't submit payments XX/XX/XXXX i call technical support, they will submit a ticket to unlock bill pay with the updated account information XX/XX/XXXX i still dont have access to bill pay, i call technical support. they say they need valid account info to submit a ticket to open bill pay. 

my main issue is that the procedure for invalid payment is to 1. charge the  customer XXXX $ return check fee, 2. lock bill pay function, preventing customers from actually making payments online and 3. requiring a valid payment account should not be necessary if there is no outstanding balance.

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 07/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I co-signed with my niece on a XXXX bar study loan in XXXX. The initial lender was XXXX XXXX which branched off to Navient. Repayment of the loan beganXX/XX/XXXX. My niece requested deferment of the loan and I started sending a remittance of XXXX per month XX/XX/XXXX The interest rate was XXXX and variable. After noticing very little of the remittance was being applied towards the principle, I called Navient. They explained to me that the loan had a variable interest rate. As ofXX/XX/XXXX, the amount due on the loan was XXXX with an estimated payoff date of XX/XX/XXXX. At this rate, the loan would never be paid off since only XXXX had been applied towards the principle over a 5 year period. As a result, I paid the XXXX in full on XX/XX/XXXX to avoid paying additional interest. I am respectfully requesting that your organization look into the loan practices of Navient. After almost 5 years of payments at XXXX per month, I should not still owe almost 15,000 on an original loan of {$15000.00}. Your prompt attention in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. 
Thank you fr helping me with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I re-financed with loanDepot two months ago. I have always made partial payments with my previous lender ( 2 per month from my banks bill pay service ). loanDeport advised that they do not take partial payments AFTER suckering me into signing closing papers. I informed loanDepot that if they had disclosed their terms in the closing documents I would have stayed with my previous lender or gone with another lender as I had other offers. loanDeport replied that if I continued to send partial payments XXXX things could happen " ( 1 ) returned to you, ( 2 ) applied to your loan, ( 3 ) accepted but held in a non-interest bearing unapplied funds account until you send us additional funds sufficient to equal a full periodic payment due. '' I replied that option 3 was OK with me as this is what my previous lender has done. loanDepot also informed me that the only way they took partial payments was if I signed up for their " Budget Plan ''. In other words they want to force me to give them control of my payments and let them have my bank information. I did review all my closing documents and loanDepot 's only disclosure was the amount of my monthly payment and the date is was due. No disclosure that I had to make the entire amount in one payment. 
I made a partial payment of {$500.00} on XXXX/XXXX/16 and loanDepot choose to apply the payment as additional principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Unsolicited issuance of credit card

Complaint: I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Trouble during payment process

Complaint: I have a mortgage with Navy Federal Credit Union and they have yet to correct my mortgage account to reflect that it is current. I made a payments on time and there was a occurnce when my payment was missed applied by there teller to another account. After I have made several complaints and provided evidence of the teller mistake to the servicing department to correct and to update the status on my monthly statement and credit report status nothing has changed. 

I have been dealing with the issue for months!!! The mortgage servicing department has the worst service and seems to lack the professionlism to get anything done. 

I refuse to deal with the credit union and I am hopefully that CFPB will be of support

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I was having trouble paying my loans, they would not lower my payment enough to make it affordable. It was the same thing over again to get a lower monthly payment. The lowest they would go seemed consistent with other people who have loans with Navient. We were offered the same XXXX year replacement plan almost to the penny, seemed like they did not consider income or expense depending on status. I also went back to school for my XXXX and I stated this. They would not defer my loans, they deferred them after XXXX months, hurting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Security Credit Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection account is showing on my credit report from SECURITY CREDIT SERVICES. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with SECURITY CREDIT SERVICES. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   , 2017, I w as referred to  XXXX   XXXX  company in  XXXX , Ca.   XXXX   XXXX   to get a pre-approval for a prospective property in   XXXX  County . Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on   XXXX   XXXX   , 2017,   instead. I emailed and faxed most of all documents to   XXXX   XXXX   in return email from   XXXX   XXXX   she asked if she could forward my bank 's statements to my realtor. With that email, I called   XXXX   XXXX  , I do not wish to move forward, something was not right.  Realtor  only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer af ter 36 hours  request to me, does not have a business to have personal financial sensitive information. After a phone conversation with  XXXX   XXXX , my husband and I decided not to move forward with loan and property. I advised  XXXX  Not to run my credit check, but she said she did anyway. On  XXXX   XXXX ,  2017, I le arned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis (  XXXX    XXXX  company  used  )  about the inquiry. The respond from the agency stating that  XXXX   XXXX  indicated that  XX/XX/17     XXXX    XXXX   we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department  XXXX   XXXX  I spoke with the loa n officer for  your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with   XXXX   XXXX   from   XXXX   , 2017, and I e xchanged a handful of emails on     XX/XX/XXXX    , no authorization have been mention of running credit.

Company response to consumer: Closed with explanation