milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Last month 's statement had a note stating that I was now enrolled in Online/Phone payment option ( see attachment ) and that no envelope was included. I did not ask for this .I always pay by mail. The carefully crafted wording does n't say who enrolled me in this new payment option.I feel like this is a high pressure move mixed with false or misleading advertising. XXXX Shades of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My disputed is with a company saying that I had a account with them in XXXX 2010 for a car loan in which I had never did any businesses with them no paper work to show I have disputed this with all XXXX credit reporting company with no help other then they say it right when I know that it is wrong the company that is reporting this is XXXX at XXXX XXXX XXXX XXXX, LA XXXX the account number they show is XXXX. I ask for your help in this matter. as I 'm not getting any from the company

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 04/24/2015 about Credit card () with DISCOVER BANK (CO).
Issue: Balance transfer

Complaint: My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 
There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. 
Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. 

If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. 
" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}. 

We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service. 

We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.

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 12/16/2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Managing the loan or lease

Complaint: Midland Funding LLC is dstill reporting my XXXX XXXX credit card as open. It was paid in full in XXXX of XXXX. They ignore my requests to report it properly. 

This is how it is showing on my credit report : Details Last Reported XXXX XXXX, XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX XXXX BANK Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1000.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Credit card) with U.S. BANCORP (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from an online store called The XXXX XXXX, asking me to confirm my purchase. I told them it was not mine, yet they had all of my credit card information. They canceled the order, confirmation # XXXX for {$490.00}. They have an email address ( not mine ) and an alternate address in California for the items to be shipped to. They said that information could only be obtained by law enforcement via their fax. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report also # XXXX with. XXXX XXXX, XXXX XXXX XXXX XXXX. I XXXX. I also contacted my bank, Chase Bank, who issued the " XXXX Chase Credit Card '' which I also kept on file at XXXX. I also notified them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Settlement process and costs

Complaint: In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.

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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.

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 10-07-2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (NM).
Issue: Managing the loan or lease

Complaint: I was unknowingly charged and excessive amount of interest for a installment loan of 391.93 %. The company was not willing to help me and tried to take unauthorized money from my account under a different name. I was never sent the loan documents to sign, just a i agree button with no interest information included. I was never provided the loan documents until I threatened to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XX/XX/2015 {$770.00} dollars I rarely check my credit score and I happen to do so as of late and I noticed a derogatory mark on an account I am not familiar with. just wanted some help

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with AFNI INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A Notice of Default and Election to Sell has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 in error violating RESPA enforced by Regulations X and Z and the California Homeowners Bill of Rights.

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 09/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
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: Hello, I am writing in regards to an old credit card account I had with Bank of America. I held a credit card with BOA which was opened in XXXX of XXXX, then closed in XXXX of XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter 7 bankruptcy on XXXX XXXX, XXXX. The account was closed and I received a discharge in bankruptcy on XXXX/XXXX/XXXX. 
This account was included in the chapter 7, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter 7 discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the BOA acct were XXXX. I have done very well since my chapter 7 and have a 100 % payment history. 
This account is still being listed in my XXXX XXXXnd my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to BOA directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, BOA has reported on this account as recently as XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with BOA so I am not sure how to get this error removed. 

Thank you XXXX 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 10/23/2015 about Student loan (Non-federal student loan) with Southern Management Systems Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information

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 03/21/2016 about Debt collection (I do not know) with Bonded Adjustment Company (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX/XX/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

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 12-01-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority. 
" CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.

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