milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
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: The XX/XX/XXXX XXXX credit report about my credit states that I opened a capitol one card on XX/XX/XXXX. I did n't. My then husband, XXXX XXXX, opened this fraudulently. I learned of this in XX/XX/XXXX when I filled for divorce. I ended up getting a civil judgement against XXXX XXXX for that outstanding debt. I paid the capitol one debt in XX/XX/XXXX that had been sold to a debt collector, attorney XXXX XXXX XXXX. However, capitol one refuses to remove this from my credit report, showing this account as a charge off which is untrue. Capitol sold this outstanding debt to a debt collector. By the time I had thecivil matter settled in the courts, capitol one refused to allow me to pay the debt. Capitol one referred me  to the debt collector to resolve the matter, which I did. I need help correcting the credit report to reflect what actually happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Found company Commonwealth Financial Systems , Inc. has a continued open case against me in the amount of {$470.00}. The incident the debt is referencing is an amount owed to a hospital. At the time, insurance had been incorrect and, once corrected, the debt was removed ; however, as of XXXX XXXX, 2015 this institution is still showing the debt as active. 

When calling CFSI, they told me the debt had been closed out. Furthermore, they added uncertainly, they " possibly '' sold to another third party, even providing me with a case # XXXX for this new agency, XXXX. 

Upon calling XXXX and providing the case number, they said the case had also been closed and " possibly '' re-directed me to XXXX with a new case # XXXX. This proved to be wholly inaccurate with XXXX, as they had neither my information, that case, nor any debt of mine. 

As far as I can tell, CFSI is playing a shell game with a debt of mine that 's long-since been resolved. Bottom-line, if the case has been resolved with this company, then why it the open case listed under their agency? This is either a case of neglect or fraud. I am in the process of getting all of their paperwork involving the acquisition of the debt and anything proving that the debt has been closed with CFSI ; however, in the mean time, this unnecessary act of neglect on their part has cause my credit to suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

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 05/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NC).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have a number of issues with the  XXXX  service. I have a limitation on my account that is preventing me from accessing my money. They do not have any right to siesure as they are not a government agency and are now operating outside of their scope of authority. I have attempted to rectify the limitation for many months now, and they are asking me for the same information previously submitted. They are using an unconstitutional user agreement that mandates that any civil complaints be addressed in the city they operate in regardless of legal operational jurisdiction. This hold is in violation of my  4th  amendment rights to prevent unlawful siesure of property and is tantamount to stealing. I believe this is being done as punishment for prior complaints, and I would like to officially request whistleblower status as I am being persecuted for reporting their unlawful activity. They have made claims that I had 6 months to dispute fraudulent charges, and have not honored that claim. I am being railroaded by this company, and the  XXXX   XXXX   XXXX  wo n't even return my request for a lawyer referral to get a civil action started against them. This is a perversion o f American Freedom of Trade, and they continue to use Unfair and Deceptive Acts and Practices in violation of Section 5 of the FTC trade laws and are violating the same in  my state of NC as well as the laws of their home state of CA. I ca n't seem to get my government to take action against this corporate tyranny, and they continue to operate with impunity. I need some agency that uses our tax money to enforce the laws as written.

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 09/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing statement

Complaint: I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from XXXX XXXX XXXX. One of these credit cards were accepted by XXXX XXXX for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, XXXX XXXX refused to discharge these cards and have sold the account to Portfolio Recovery Associates who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between XXXX XXXX and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I attempted to request several disputes and to my surprise was told : The below 8 items were not submitted and need your attention. Unfortunately, they failed to process my disputes and this is my third attempt. Please see the attached documents as proof.

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 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: X/X/2017 Attempted to login to CapitalOne website to pay my bill. They re-vamped their website and asked me to verify some additional information such as home phone, work phone, cell phone and e-mail address. I 'm ok with that. Scrolling down, they now wanted an update on my yearly income and my employment status. The following is a copy/paste directly from their login screen : We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. Total Annual Income* $ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. Employment Status I called Capital One and complained because I 'm an existing customer for over 30 years and all I wanted to do was pay my bill online. They told me this was FEDERAL LAW and I had to update this information in order to pay my bill online. I escalated to several " supervisors '', but it 's like talking to a wall reading from a script. I have no interest in a credit increase and absolutely no desire to allow them to manage my account. I manage my own account. If I had requested a credit increase or some other product, I could see that they would ask me for this type of information, however, I have not requested anything. I JUST WANT TO PAY MY BILL ONLINE WITHOUT GIVING THIS TYPE OF PERSONAL INFORMATION. THIS IS A VIOLATION OF MY PRIVACY. I have never been late with a payment and usually pay them over the minimum due. Their resolution to the problem was for me to enter inaccurate information, like {$0.00} for income and Unemployed or whatever other reason I choose. This would allow me to bypass the screen and continue on to pay my bill. This makes absolutely no sense. Would Federal Law allow you to lie about your income and employment status? This is some sort of phishing scam direct from Capital One. NONE of my other creditors have asked for this type of information when paying my bills online.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with CITIBANK, N.A. (GU).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated.

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 07/19/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a loan through FedLoan Servicing. I am employed at a XXXX and eligible for Public Service Loan Forgiveness and have taken all steps to be enrolled in the program, including income contingent payments. I have attempted, on numerous occasions, to get credit for the proper number of payments - they are only crediting my account for XXXX payments. They have failed to credit payments that were made during periods of {$0.00} payments and have failed to update the number of payments that should be credited for the prior year despite providing employer certification XXXX separate times. I am frustrated that I am not receiving proper credit for all payments made on this loan under this program.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I stop attending classes because I had personal issues during the yearXX/XX/XXXX,  since then I stopped assisting to my classes, and they continued to charge me until now the date XX/XX/XXXX. I only finished 21 credits which is in my opinion a theft and a dishonest way of handling a student support in financial and personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with E*TRADE BANK (TX).
Issue: Using a debit or ATM card

Complaint: ETrade bank alerted me to ( XXXX ) fraudulent purchase transactions on my debit card before they posted to my checking account. The next day they posted to my account deducting the funds because they claim they are powerless to stop them from posting. Day after day after day they refuse to refund me the amounts of those transactions.THIS IS AN OUTRAGE!!! They also charged me overdraft fees on top of it!!! Amazing. The ETrade bank fraud department is a JOKE. It 's there to give the appearance that they will protect you against fraud ... they actually do NOTHING. The head of the fraud department told me that it is their policy to impose a processing period of 90 days before crediting back the fraudulent transactions even if the merchants have already done so!!! CROOKED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with Client Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
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: XXXX   transactions, each for {$75.00} on the same day (  XXXX  ), were posted to my account which I did not make. I called Elan Financial Service on   XXXX   to dispute the sales. I clearly said I did make the charges or know the merchant. Elan did not transfer the handling to their fraud group, but only attempted to get copies of sales.
They were then unable to obtain the sales copies, but deem the sales valid and reapplied to my account (  XXXX  ). I then called again (  XXXX  ), this time the representative said both sales would be handling as fraud, closed my account, and sent me new credit cards.
In watching my statement, it appeared that they only began handling one of the {$75.00}, as demonstrated by only a single temporary credit.
Again, I called to speak with the fraud group (  XXXX  ). This time I was told that the second charge would be handled as fraud and that the " investigator '' would return my call. No call was received.
Today (  XXXX  ), I had to call again, as the second {$75.00} is still on the account and I did not received a call as promised after 12-days. This time I was told that the investigator tried to call ( 07/05 ) but could not connect AND they only make one attempt. This is unfair as it requires the customer to ensure follow-up by the bank. I have been promised someone will call me.
I need your help, CFPB, in getting Elan Financial and Fidelity Credit Card to do their job and resolve me case.

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