milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had XXXX 's membership card for one year. At the time, I joined XXXX 's memebership I was told to open a XXXX 's XXXX. I never used the XXXX 's XXXX to purchase anything. After one year of membership, I choose not to renew my XXXX 's membership. But the membership fee was charged to the XXXX 's XXXX automatically without my permission in the XXXX XXXX statement. So I called customer service number printed on the back of the credit card statement which is XXXX.My XXXX 's XXXX number is XXXX XXXX XXXX XXXX and the credit card is run by XXXX XXXX. I was told by customer service not to worry about the fee and the fee will be credited back to my account. After one month, I received another statement asking me to pay not only the original membership fee but also late fee and interests on top of it. So I called Customer Service number again. This time I was told to contact XXXX 's store directly to request a refund of my membership. So I called XXXX 's store to request the refund. XXXX 's XXXX agreed to refund membership and told me to wait. One month later, I got a third statement with more late fees, and interests. So I called XXXX 's XXXX again, I was told they will issue a provisional credit. Next month, a provisonal credit of {$72.00} provisional credit was issued and I thought the issue was resolved. 
However, to my surprise, one month later I received a statement from XXXX XXXXk rerversing the provisional credit and charging me again the {$72.00} balance. So I called XXXX XXXX again requesting that the {$72.00} be reversed and my credit card account closed. The customer service said they will take care of it. But one month later, I still get the bill for the balance of {$72.00}. In short, XXXX XXXX is engaging in unfair and deceptive act and pratices to default consumers. I 'm sure I 'm not the only one. There must be many others. Please help me to get the charges reversed and my account closed. My cell number is XXXX and can be reached anytime. By the way, I never used the XXXX 's membership after my membership expired and I called XXXX XXXX more than 10 times. I was always told I can dispute the charges even thought there is nothing to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with Navient. My mother signed as my cosigner to help me get a lower rate. I am able to make the monthly payments, but I would like to enroll in some form of graduated plan, which is common, or to take advantage of Navient 's offer to make interest only payments for the first year. However, Navient has informed me that I can not take either route because of the financial status of my cosigner. Since she is able to make these payments, I can not set up a graduated payment plan or make interest only payments. 

This makes XXXX sense to me. I have an agreement with Navient to pay back my loans, which is what I am trying to do. My cosigner only enters the picture if I am unable to make my loan payments. My cosigner 's financial status should not affect whether Navient allows me to set up a graduated payment plan or make interest only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Apelles, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. 
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " Midland Credit '' keeps calling several times per day asking for someone who has never been at this number ( it has been my family number for XXXX years ). Even after telling them this and them promising to " update their records '', the calls resume shortly thereafter ( or never stopped in the first place ). Here are some examples : Date Time Ext CO Dial Number Ring Duration Acc code CD XXXX XXXX/XXXX/15 XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt XXXX I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I XXXX gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt XXXX XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX NA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Military star card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.

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 11-09-2017 about Credit card or prepaid card (Store credit card) with DISCOVER BANK (NM).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I just received a letter from Discovery Cards and an application was denied, saying no credit on file. On the mailing address my viewed as XXXX XXXX XXXX. My middle name start with XXXX XXXX XXXXXXXX. I contacted Discovery to alert them. I want to inform everyone because my wallet was lost and had bank cards, credit cards from XXXX XXXX my ss card and birth certificate. Thank you for the the consideration. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.

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 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Bank of America LOST MY MONEY. Despite numerous attempts to resolve this problem with Bank of America XXXX see XXXX, XXXX, XXXX XXXX, I am still not getting anywhere on this. Bank of America says that they escheated my money to State of Wisconsin XXXX see attachment XXXX ). I did contact State of Wisconsin. State of Wisconsin said they DID NOT GET ANY MONEY FROM BANK of AMERICA in my name XXXX see attachment XXXX ). State of Wisconsin suggests that a representative of Bank of America contacts State of Wisconsin to resolve this problem ( see the attachment ). To resolve this issue, I want Bank of America to contact StatXXXX of Wisconsin to figure this problem out, and to find my money, and tell me where it is in writing. BANK OF AMERICA IS RESPONSIBLE FOR LOOSING MY MONEY. WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS.

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 08/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax took more than 60 days to complete a credit investigation which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The item has been disputed and closed since dispute but has not been removed. Reporting on all XXXX CB reports.

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 07/13/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: My experience with Quicken Loans was the WORST possible in all the years I have been dealing with lending institutions. While they did what they said they would do the whole process was inept and poorly done. They did NOT communicate within " teams '' in fact it seemed XXXX team had no idea what the other team had done or had informed me about. Additionally I was run around on XXXX problem which was not a problem if anyone in their title department was able to think independently. This alone caused me aggravation, anxiety, and a lot of wasted time. The bottom line is as long as I have a choice I would NEVER use Quicken loans again nor would I recommend them to ANYONE. I did everything they asked in a timely manor, yet ; they managed to " XXXX '' things up and have multiple people you have to deal with making the whole situation a MESS.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (I do not know) with Williams, Rush & Associates, LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The prior owner sold her property @ XXXX XXXX XXXX on XXXX/XXXX/XXXX ( Legal : XXXX ) ; she had refi 'd 2 of her properties ( this XXXX & XXXX XXXX XXXX ) at the same time with BOA in XXXX XXXX ; both new dot 's had the same legal attached ( from the XXXX XXXX XXXX ) ( XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX & XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX ) ; Title Company & prior owner have made numerous phone calls to BOA starting the beginning of XXXX XXXX to have them do a Partial Release on Lot XXXX, but instead they did a Corrected DOT-correcting the legal description to XXXX ( recorded XXXX/XXXX/XXXX @ Rec # 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 non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX this company trying to collect money and does not provide explanation of the amounts of a debt not providing explanation of charges defining the debt.

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 05/18/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I applied for a credit card, and was denied. I went to get my free report and was denied by Experian and XXXX. I tried to get my adverse report and Experian denied me again. The want me to mail them copies to prove my identity. I do n't want to give them my drivers licence or paystubs. My information is my information, I do n't want them to have it. This is a bad company that I do n't trust, I will not give them anything but public information. I 'm entitled to a free report by law and they already have more than enough proof of who I am. They 're using my information against me and not letting me see it. They did n't ask to see my ID before denying me why should they need it now?

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