milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.

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 04/16/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.

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 11-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called Navient to set up a reduced payment plan. I agreed to the terms and everything was situated. My debit card was compromised so I notified Navient of the situation. The representative stated that i would need to cancel the previous set up and start up a new one with my new debit card information. Which was what was exactly what was done. I agrees to the new terms and everything. Navient has been automatically taking funds from my checking account since XXXX 2017 for the agreed upon reduced amount. However I received a notice via mail stating that my account was delinquent. I contacted Navient and spoke with a representative that went back into the notes and stated the last representative did not properly enroll me into the program and that she no longer worked for the company. She supposedly quit that day. I ask the representative why should I be responsible or penalised for someone elses mistake, but there was nothing they could do and I would be responsible for the balance. A balance that continuously effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (MI).
Issue: Managing the loan or lease

Complaint: I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Siwell Inc (NV).
Issue: Trouble during payment process

Complaint: My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Deposits and withdrawals

Complaint: Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.

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 11-09-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problems when you are unable to pay

Complaint: Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Payday loan () with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Can't contact lender

Complaint: I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Prepaid card (General purpose card) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (GA).
Issue: Managing, opening, or closing account

Complaint: Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked. 

In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through. 

A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue. 

I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation. 

Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time. 

This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Consumer Loan (Vehicle loan) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX

Company response to consumer: Closed
Consumer complaint received 04/28/2015 about Debt collection (Credit card) with Radius Global Solutions LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax put my credit and financial security at risk by giving access to my personal information without my consent, refusing to offer a sufficient resolution that would make my future credit security safe, and keeping the breach a secret while I was at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016, I sent {$500.00} from my online checking account at Capital One 360 through their new XXXX system on XXXX This was the first time I had made such a transaction. I was asked to put in the email address of the person I was sending it to, but I did not have access to the drop down menu where the correct address had been stored in the previous process. I erroneously put in the wrong email address. ( Anyone could make a single digit mistake in the same way if sending to a mobile phone number. ) Admittedly, this was my mistake ; however, there was a complete lack of security, of checking, of layers through which the request had to go to ensure its secure transmission to the recipient. 

My {$500.00} XXXXpayment, powered by XXXX, went unhindered into an account owned by someone unknown at XXXX XXXX XXXX. Because that person had already checked into the Capital One 360 service at least once, all future amounts were automatically transferred into that account. When a Capital One 360 customer service person checked into the issue, he found that the cash was no longer available or accessible at the XXXX XXXX XXXX account. There was nothing he could do. XXXX XXXX XXXX wo n't even discuss the issue because we do n't know the account number of that person with the email address I used. 

I can not believe that I could lose {$500.00} because of a clerical error. I can not believe that Capital One 360 is that insecure. I can not believe that Capital One 360 did so little to retrieve my money. I can not see any benefit to keeping any money in this bank. I can not believe that I as a customer am treated with so little regard for the safety of the transmission of my money from my account to another 's.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: We sent Experian a letter we will attach to this complaint politely asking them to look at several accounts they are reporting we question. They sent back a letter to us both saying our letter was " suspicious '' and they " determined it was not sent by us ''. 
This is an insult to our intelligence. We included copies of our drivers licenses, social security cards, and a bill copy showing our residence. 
Who else would want to fix mistakes on our credit reports but us?? We have written them before, and they know this, and they have written back. Are they now above the law and can make up an absurd excuse not to help people? This is the most absurd thing I have seen. Its absurd enough we keep writing clearly telling them things are wrong and they do nothing, but this is just beyond absurd. 
We demand they respond immediately and hope the CFPB sanctions and fines them for this treatment of consumes at their mercy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/19/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Billing disputes

Complaint: i disputed charges on my credit card XXXX. and over the last year chase took the money and gave it back XXXX in my favor several times ) its unknown if they collected the money from the merchant, or just found in my favor and returned it, but i was sent a letter from chase stating the decision was " permanent '' and the decision was rendered " final '' meanwhile while chase was making that decision in my favor, i chose to take the merchant to small claims court to recover my personal losses + the money chase bank had recharged me ( since this was a period when the put the charges back on my card ) by the time i actually went to court chase had rendered the decision above & refunded the money, therefore the judge in my case would not order the merchant to repay me, since i was not out money since chase found in my favor, however i was awarded {$2000.00} in consequential damages from my expenses involved in the case, the merchant was ordered to pay this to me, the merchant did pay me however they issued it in the form of a credit back on my original card, chase bank then saw this {$2000.00} refund from the merchant and took the money from me, i called to dispute the money telling chase bank that i could provide documentation that the money was awarded to me as consequential damages, i was asked to provide them copies of the court documents, i did, and chase reviewed them and returned the money to me, as short time later chase took the money from me again and refused to return it., this money had nothing to do with chase bank other then the merchant pulling a fast one and returning it on my credit card from nearly a year old transaction to avoid a credit card fee he was charged on the original transaction, as of today chase bank has taken {$2000.00} from me and added it to my balance and i am getting charged interest everyday, they will not discuss this matter when i call, even though they have found in my favor

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
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: Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I got a letter from an attorney 's office, stating that my XXXX XXXX XXXX credit card had been charged off and they were taking it over. I called XXXX  XXXX XXXX to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. XXXX  XXXX XXXX told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and XXXX XXXX XXXX did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. XXXX XXXX XXXX was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that XXXX XXXX XXXX charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the XXXX XXXX XXXX ; they have opened the complaint with XXXX   XXXX XXXX, but XXXX XXXX XXXX has not responded to them about this either. XXXX XXXX XXXX is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.

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