milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call XXXX after I explain that XXXX has fixed everything but inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan through  XXXX .  Them the y said they were going to send my request to many lenders but they only sent it to one which was  XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Late fee

Complaint: I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
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: On XXXX XXXX, 2017 I wrote Equifax that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent Equifax 60 pages of evidence supporting my claim. Equifax had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Shellpoint has acted with gross negligence and gross incompetence in dealing with my foreclosure avoidance request. They are also in violation of CA anti dual tracking laws by processing a forelcosure while at the same time processing my short sale request. At issue is the fact that for more than an entire month Shellpoint kept asking me for financials which were not required because borrower was deceased. I provided power of attorney and I also provided transfer of deed which negated any need for estate docs yet they were not competent enough to know that. They kept asking me for docs that were not needed and illegally pursuing a foreclosure sale date at the same time. Due to their negligence and lack of knowledge for something they are being paid to service they ate up my time and now there is a sale date to their own fault in 3 days. This is not acceptable under any circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX card offered a new card ( XX/XX/2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. 
But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX PS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require

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 10/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.

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 07/28/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both Trans Union and XXXX show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.

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 04/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Bank is holding a refund of {$3800.00} due to me from a refund of private mortgage insurance. When I contacted Wells Fargo I was told the refund was credited to my escrow account, which at the time had a {$1.00} shortage. I have spoken with XXXX different supervisors and have submitted a complaint in writing. It is my understanding, by law, Wells Fargo has 45 days to process the private mortgage insurance refund. I received a letter dated XXXX XXXX, XX/XX/2015 informing me of the refund. As of XXXX XXXX, XX/XX/2015 I have not received anything, putting them well past the 45 day time period. I have also been informed that a bank can not withhold money due to a customer from a PMI refund and apply it to a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a  XXXX  debt which I paid to  XXXX   XXXX   XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n  XX/XX/XXXX .   On  XX/XX/XXXX , I r eceived a call from   XXXX   XXXX   asking me to settle the debt. I informed the guy that it was paid on   XX/XX/XXXX . H e asked me to send the payment info t o  XXXX ,   which I did that evening. On   XX/XX/XXXX  I  resent the original email since I had n't heard anything. Still no response. On   XX/XX/XXXX ,  I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent  on   XX/XX/XXXX   to find out why this derogatory item is still on my credit report and was told that they received response back from  XXXX  confirming the outstanding debt. I then decided to call  XXXX   XXXX  to see if they reported to  XXXX  when I made the payment. The rep confirmed that my account was paid. I called  XXXX  and had to file a report so they could investigate. The reference #  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have XXXX student loans with Wells Fargo that was to go in repayment period XX/XX/2015. I had been unemployed and I requested assistance from them to allow me time to find a job, catch up, and then I would make payment arrangements. In XXXX 2015 I was finally able to fit it in my budget to began some repayment and I made a partial payment. In XXXX 2015 I attempted to do the same however my accounts access online was deleted and when I contacted them, they advised me the debt had been charged off. I requested that they do not call me as they were calling my employer. I have since continued to receive phone calls. My latest conversation with them was a lady attempting to collect the debt, I advised her I was unable to pay the full balance and that I would be more than happy to make payment arrangements however they would continue to report the account past due until the full balance is paid, not just the past due balance. I advised her the amount that I could pay per month and she advised it would take 10 years to payoff the amount and that each month until satisfaction the account would be reported late. I dont feel this is fair to the consumer that if I brought my account current and made payment arrangement, why wouldnt they assist in updating my credit to reflect paying as agreed. I would love to buy a home in the next 10 years however a student loan debt is not the best way to go about it. I am requesting assistance from the CFPB to look into Wells Fargo Student Loan services and to see what type of agreement we can come up with.

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 04/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended  XXXX   XXXX  from  XXXX   XXXX  until the  XXXX  of  XXXX . During this time I took out private student loans from the lender  XXXX   XXXX   ( this is now Navient ). I took out a significant amount of money over these years. I really did n't understand the process of paying it back  and I thought they would work with me based on my income. I have done multiple forbearances over the years and it seems they are also charging me additional fees. They told me I know longer qualify for any programs and they are requesting a payment beyond my means. They are threatening to put a lean on my parents home. My father is on a fixed income, as he was when these loans were taken out. My credit is destroyed and I do not know what to do. Please help me.   Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: ok I made a payment of {$99.00} on the XX/XX/XXXX they added fees in interest in the amount {$65.00} XXXX of my payment of {$99.00} .I am XXXX and have a hard time making the payment My identity was stolen in XXXX and usually they confirm charges this time they did not it was from XXXX and XXXX in the amount of {$160.00} that was in XXXX .I Told them I only stay at the XXXX XXXX XXXX XXXX and neither site said I was even registered. They did not recognize my email account. XXXX XXXX did nothing about it and I just had a small charge I did not recognize they took care of that. I am XXXX my income is limited now due to loss of medical insurance since XX/XX/XXXX

Company response to consumer: Closed with explanation