milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Chase Slate account ending in XXXX A dispute in the amount of XXXX XXXX XXXX XXXX XXXX has been on going for several weeks now, it was initially disputed in XXXX, closed by Chase and subsequently reopened, still no resolution. The account was paid off less the dispute amount of XXXX which does not include interest and fees associated with charge, additional interest has been charged as the account has cycled. A payment was due which has been made for XXXX in the amount of XXXX. Please note, the total charge from merchant is actually XXXX. An of XXXX was charged to my debit card with XXXX XXXX XXXX, which was also disputed and has since been resolved as a credit was issued by XXXX XXXX and is now permanent. Chase has not resolved it on their end. As I stated before and again here, the item XXXX XXXX ) were delivered to wrong address, signed for by someone else. A person by the name of XXXX XXXX signed for the package, Chase reps in both claims and their executive office have this information and again, they have not reached resolution to date. The package was delivered on XXXX, I was not at home on this date. Once Chase reaches a resolution, I need a check for payment I made of XXXX plus interest and fees associated with charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with National Check Resolution Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an outstanding payday loan XXXX XXXX store and had issues with payment due to identity theft. I received a call from a collector threatening to come to my house and job. He left a number but no name. I called the number given and it is National Check Resolution who was helpful but stating that it is an outside agency is the one that contacts debtors and that " they should not threaten but they do what it takes to get deadbeats to call - it worked right. '' I acknowledge that I owe the debt but being belittled, embarrassed and harassed is not right. This gentleman from the outside agency called me today XXXX XXXX every XXXX minutes to my cell as a private number and left the message about XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On XX/XX/2018, I logged on to Wells Fargo to pay my credit card bill. Two things distressed me : 1 ) In the payment options, they have removed the amount that is on my last statement. They only have options for minimum payments due. In the screenshot, you see {$210.00} as the " total amount due '', but when I navigated back to a statement that wasn't visible on the payment screen, my amount due since my last balance was more than $ 4K. In my opinion, this is predatory. They are making it hard for me to pay my bill in full, hoping I'll make only the minimum payment due so they can make more money on interest charges. See attached. This is a recent change to a large lender and very troubling.

2 ) I wanted to see just how much Wells Fargo has changed me for late fees, so I searched " late fees '' on my account activity. It returned " no results '' even though I can see a charge in the screen shot. Again in my opinion, this large lender is hiding data about their fees thereby making it hard for me to know just how much they are costing me.

These are subtle but very concerning changes to online payment user experiences that will lead consumers to make poor decisions with regard to their credit. Wells Fargo is making fees and payment in full opaque, for their benefit.

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 12-08-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. 
When he called the number they left, they then identify themselves as a student loan consolidator. 
We want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private loans from college were financed through XXXX. now d/b/a Navient. I received a letter stating I was unable to apply funds directly to the loan principal, despite the account being current. Navient insisted that the additional funds would be applied to interest that had accrued since the last payment. I responded that any accrued interest would be paid when I make the NEXT monthly payment ; however, Navient refused to apply the additional funds to the loan principal. I called the CFPB in XXXX XXXX inquiring about this new " policy '' and whether it was illegal. The CFPB representative had never heard of such a policy. She indicated that most loan providers allowed principal-only payments if the account were up-to-date. I figured this may be an illegal practice since the mortgage industry attempted a similar tactic ( requiring one to pay all the interest before payment to the principal ) and it was struck down by the courts. 

When I attempted to apply additional funds directly to the principal, despite this new " policy, '' Navient applied it to the interest. I fought with them for two months to have the money applied to the principal, but Navient decided returning those funds to me was a better option. In XXXX XXXX. Navient raised my interest rate in retaliation for the refund! 

This " policy '' is a problem because only XXXX of the payment I send to Navient as payment for the loans is applied to the principal. This " policy '' would essentially keep students in debt, well beyond the 15+ years it already takes to pay off student loans. Is this " policy '' to keep students in debt ACTUALLY allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called XXXX times by the above company on XXXX different days. They left a voicemail with a claim number XXXX '. I am to call them back and quote this number. They have also called by fiancee 's parents in XXXX, DE and also my parents in XXXX, XXXX. I have researched the web and found many scam related incidents regarding this company and have been advised to file a complaint with you. Today, I answered the phone and the lady said that they were taking legal action against me from 'Alliance Online ' since I would n't pay {$500.00} on the phone today. Her last words to me were 'See you in court '. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, XXXX I submitted a dispute to Equifax in regards to a closed account for XXXX XXXX being removed from my credit report. I was advised by Equifax that the investigation would last 30 days which according to there record would have been XXXX XXXX, XXXX. Today XXXX XXXX, XXXX. I checked my credit report and it still states " customer dispute-reinvestagation in progress. I contacted Equifax and was advised by a representive that they had sent information over to the company for a dispute on past due payments and because I requested for the account to be closed. Equifax never received a response from XXXX XXXX so the account was not removed for the reasoning of the dispute. I advised the representative that the information I submitted was not in regards to past due payments and that the account was already closed and I was requestinv for this account to be removed. This vehicle was registered under a company. That is still showing under dispute and under the FCRA after 30 days with no response from the creditor the credit reporting agency will have to remove the account and stop reporting it. She then changed her story and stated there were no disputes on my account and because they didnt receive anything from the creditor they made the decision for them. ( Even though they did not even receive a response to the information submitted to the company. ) I advised her this is completely against any laws that protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this as soon as possible, 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 08/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Friday  XXXX   XXXX  I used an ATM just outside the lobby area of Regions Bank branch located at  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX , GA. I attempted to deposit a total ( cash ) amount {$690.00}. The ATM only gave me credit for {$300.00}! I received a error message returning my ATM debit card to me and prompting me to contact support and provided a number in which to call. After receiving this message I contacted the support team and on   XXXX   XXXX   3 days later I was credited with what now I understand as a provisional credit. Prior to this date I 'd experienced issues with not only this ATM but also the ATM located at  the drive  through taking the cash I was attempting to deposit and not crediting the account.I always make my deposit in portions to ensure i will not be inconvenienced financially because of the issues with the ATM.Once I could confirm the deposit amount I proceed to deposit the remainder.On Thursday   XXXX   XXXX   my account was deducted for the amount of  XXXX  and I was told that the ATM was not inbalanced after further investigating and that I was given the {$390.00} as more of a courtesy. This has caused such discomfort and inconvenience to me and I have been really frustrated with the process of getting my funds returned to me. I have also been charged overdraft fees for items deducted from my account that was debited days before this even took place I have been to the bank 3 times in 4 days spoke to branch managers  XXXX   &   XXXX  whom are extremely nice & seem to be helpful following the days this catastrophe .I was told that the ATM was n't over & I have basically lost out on my funds .They have insisted that ' they would further investigate and also credit me for fees associated with this incident but have I have yet to receive my {$390.00}. I am requesting video footage of me depositing MY  MONEY & video footage of whomever  else is responsible for manually balancing the ATMS. I need whomever in charge of checking the bank cassettes to make sure the $ $ did n't get caught up in those as well.

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 07-11-2015 about Credit card () with DISCOVER BANK (OH).
Issue: Balance transfer

Complaint: I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My SSN was stolen and used to open numerous credit accounts. Among them was a XXXX wireless account. When I discovered this, I immediately called XXXX asking them what I needed to do to close the account and file a fraud claim. I followed their directions and submitted the requested paperwork including the police report, customer receipt and proof of address. they determined that it was not fraud and have been attempting to collect on this bill. They have since sent it to a collection agency and I am getting calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: ribe what happened so we can understand the issue ... 
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: My credit cards were stolen XX/XX/2016. When I called into Captial one regarding the issue, I was advised that the case had been created and a case specialist would follow up with me within XXXX business days. Once the month of XXXX was up and I did not hear from capital one, I called the credit card company to inquire about my case and was advise the " case had not be opened '' by a representative by the name of XXXX on XX/XX/2016. After I was told the case was not initiated, I asked XXXX to created the fraud case for me. Again, I was advised to wait 10 business days and the case specialist would contact me. 

I did not hear anything by XX/XX/XXXX, so I called back that Friday, XX/XX/XXXX, spoke with someone by the name of XXXX who claimed to be my case manager. I explained the situation to XXXX and let he know the changes from XX/XX/XXXX were fraudulent. She explained that she would need more time to investigate and would contact me in 10 days and I would be receiving a letter in the mail She explained the process and said I would receive a credit in the balance that was fraud. She also claimed that a new card for each account would be sent to me. 

After a week elapsed, there was no credit card. It is now XX/XX/XXXX. I reached out to capital one and was told that card was sent and maybe it is taking a little while to reach me. After another week, I called to have the cards that were sent as replacements canceled and to send another set of replacements. 

( While experiencing this issue with not receiving cards, my account was not credited during the entire month of XXXX ). 

XX/XX/XXXX, I was able to speak with XXXX again and was told that the investigation was still be processed and that I would hear back in 2 weeks. 

In on XX/XX/XXXX, I called back to have checked the status of my accounts and inquire about the location of my cards. When I was routed to customer service the agent asked me to verify my mailing address, which I provided every time I called in, and I advised my cards has been sent to the incorrect mailing address twice. However, since my cards were being investigated, he was unable to process the replacement and I would have to speak with my account manager, XXXX. After being told this, I asked to speak with here to which I was advised she was unavoidable and would give me a callback. 

The rest od the month of XXXX consisted of me calling Captial one to figure out what was going on with my account a trying to get in contact with my account manager. All the while, capital one is charging interest and late fees. 

I spent XX/XX/2016 calling into capital one and being transferred to different departments, so much so, I was unable to keep a record of the calls and dates. The frustration and time spent has been colossal. 

I was and still am unable to get in to contact with XXXX ( XXXX ) and my credit score is being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Late fee

Complaint: I would like to file a formal complaint against the credit card issuer Synchrony. I am XXXX years old and had an XXXX. I could n't work and fell a little behind, not even 30 days on my care credit and j.c. Penney accounts I hav still been sending in money and they hav been calling me harrassing me early in the morning late at night XXXX, Sunday morning and sometimes 5 or 6 times a day I am now catching up on the payments and I am the one that has to pay their terrible late and over refit limit payments, not them so I think it is total harrassment to call me a zillion XXXX a day I so loved hearing that phone ring constantly when I was as sick as a dog. I am ripping up these cards and paying them off, they 've by far the worst credit card company I hav ever dealt with. Than you 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 monetary relief