milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hi, I accidentally paid too little on my credit card. I was left with a {$5.00} balance on a XXXX credit line. I did not realize that I still had a small nominal balance. 

Bank of America did not place any calls to me or send me an email. If I had been contacted, I could have quickly paid off the remaining balance. I only caught that balance while randomly checking my credit records on XXXX XXXX. I tried to login to my account to make a payment, and they blocked my login for delinquency. I called and made a payment via IVR. 

I just found out that they cancelled my credit line on XXXX XXXX, XXXX for a {$5.00} delinquency on a {$18000.00} credit line. I opened this account while in college 18 years ago. This was my only delinquency situation. I was never called or emailed. 

I called Bank of America and was informed that my account was closed. There were no options made available to me than other to apply for a new account. 

Now, my credit card is cancelled and my credit bureau has red marks over a {$5.00} balance. This seems monumentally unfair and a case where automated workflow rules failed both bank and myself. A simple email would have resolved the situation.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX capital one with all major bureau in violation police reported with ID theft gov violation of my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX has reported the credit bureau put me in collection for a debt that. I do n't recognize or owe them in the amount of {$2000.00} it 's on XXXX report it has affected my chances to get a house this is fraud must be removed was reported on XXXX 2013 it 's been so long on my credit report even though this is not my account nor have I ever had an account with XXXX please have this remove from my credit report XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I sent out a 609 letter informing XXXX, XXXX  and experian credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.

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 08/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: In 2016 I had two late payments to my TJMaxx Card issued by Synchrony Bank. In both cases they were silly snafoos that were my fault, but had nothing to do with credit worthiness. In both cases I identified the issue before Synchrony did and proactively called and made a new payment. 

I have now received an email cancelling my card. I do not find this to be fair as I am perfectly credit worthy and have had the card for years with little or no past issue. I also spend a reasonable amount on the card. I feel that the bank should have had a conversation with me rather than just cancelling out of the blue. 

I believe this represents what is wrong with the system. Machine made decisions with no consideration or focus on the client at all.

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 07/13/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
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 was 3 months behind in my car loan, which paid XXXX dollars a month.the transporter came to the driver 's and took my car repossessed.for not paying. I only needed XXXX dollars to finish my contract and pay my car. In XX/XX/XXXX when the transporter from chase took my car the the a car was in good condition.after a few days the bank indicated to me that I would have to pay XXXX to get it back and I would not sell it.I paid Via wire in XXXX XXXX. To my surprise on XX/XX/XXXX I  pick up my car .. and they deliver it to me with the broken glass behind, the trunk that does not open and the driver window that is not opened. Which chase payment indicated to me that I had to speak to the hot line of the bank and put a complaint. So I did. And then the bank takes 3 weeks since then telling me that they are still investigating and that it will take time to resolve who is to blame and they will let me know

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Today I received a letter from Experian regarding an account reporting incorrectly on my credit report, however I do not agree with their method of collecting or furnishing consumer information. According to Experian the collections account for XXXX was validated however I did not receive anything showing how the account was in fact verified. When I requested validation from the collection agency I asked for HIPAA authorization as well as my signature for services rendered and I did not receive either. What I did receive was a letter with fees and personal medical information which was not actual validation of the account. I would like to see supporting documentation from XXXX as well as XXXX regarding this negative reporting account on my credit file. I would like to see a copy of what steps and documents Experian used to validate this account is in fact my account. This account is negatively affecting my credit report and credit worthiness. It is also making it hard to obtain legitimate credit.

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 09-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to negotiate a loan modification with my mortgage lender for 7 years! It will be 7 years in XX/XX/XXXX. When I began this process my mortgage was held by XXXX XXXX XXXX. Since then, my mortgage has changed hands 3 times! Each time, I had to start the process over. The current lender is Nationstar and based on on-line research, I am concerned that my experience with them is mirroring that of thousands of other consumers. They do not negotiate in good faith. For example, they constantly low-ball the value of our property. With each negotiation, we have to appeal the denial of our modification request and key to those appeals are independent assessments that show our property as valued at more {$100000.00} than what Nationstar quotes. Last year, we finally had an agreement but Nationstar asked for a " deposit '' in order to execute the agreement - I now know that the request for a " deposit '' is illegal/inappropriate. Also, the agreement referenced a 2-year " interest-only '' payment period at an amount that was quite manageable. Nationstar refused to apply those payments to our mortgage indicating that the " interest-only '' payment period terms were " vague. '' The alleged " vague '' terms were created by Nationstar and signed off on by their Assistant Secretary XXXX XXXX. Nationstar continued to refuse to apply the " interest-only '' payments to the mortgage based on this vagueness argument and as a result we are now trying to negotiate yet another modification. Once again, they denied our request ( even though we were approved for a modification last year, albeit " vague '' ). The denial was based, predictably, on a low-ball valuation of our property. Yet again, independent evaluation showed a value of $ XXXX+ higher than what Nationstar showed. We are appealing the modification denial. After 7 years, how much longer do we have to keep playing this game with them before they will negotiate in good faith and put some reasonable and not " vague '' terms on the table?!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a payment of {$8600.00} on my Capital One Platinum Mastercard on XX/XX/XXXX. My card is setup for autopayment for the minimum payment due. I made two charges to the card for {$210.00} on XX/XX/XXXX and budgeted to pay it in full in my next billing cycle. Even though I made a payment earlier in the month, and the website stated no payment was due this month the autopayment withdrew {$170.00} on 2/23/2018. It is Capital One 's policy to automatically withdraw money even if you made a payment in the billing cycle if there is not a {$0.00} balance. This extra payment really messed up my already tight monthly budget. When I caught the extra payment the next day it was already withdrawn from my account. I called Capital One to ask for the extra payment to be put back into my account because I never intended to make it. They refused to refund the extra payment citing their policy. I ran  into the same double payment problem with my XXXX XXXX XXXX credit card this month, and they refunded the extra payment with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Fraudulent School

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Medical) with Tulsa Adjustment Bureau (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX and XXXX my medical services are 100 % covered. The office should have filed my insurance correctly

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Trouble during payment process

Complaint: i had an original complaint about the loan stating that XXXX XXXX XXXX, complaint number XXXX. after being in court today, XX/XX/XXXX, i have been told by the attornies that XXXX XXXX XXXX was not the bank that foreclosed. the bank is XXXX XXXX XXXX XXXX, so i would like to open a new complaint against them. they foreclosed on a fraudulent and predatory loan that somehow they acquired. the issues are still the same, terms agreed upon were changed by the home lender, XXXX XXXX XXXX, during the document signing. with the terms changed it made this loan unpayable. the truth in lending act was violated and numerous other violations were done. i have a forensic audit on the loan proving this. the company XXXX XXXX XXXX went bankrupt in XX/XX/XXXX after writing multiple bad loans. i should not have lost my house, it is now up to XXXX XXXX XXXX to correct this miscarriage of justice. i need answers quickly, i can not wait 60 days. the new owner is pushing for eviction. i need all matters involving my house to be reversed by the government. please call me @ XXXX or e-mail me, XXXX this matter is very urgent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

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 06/23/2016 about Debt collection (Credit card) with Gordon & Wong Law Group, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.L

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it. 

Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent police reports XXXX is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.

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