milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I hope this letter finds you doing well.      XXXX  is incorrectly reporting  XXXX  late payments across  XXXX  student loans to the credit reporting agencies, such as  XXXX  Experian, and  XXXX . During the months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  2014 ,  XXXX  is reporting to credit reporting agencies such as  XXXX , Experian, and  XXXX , that I was late on each of my  XXXX  student loans in question.  <P/> In  2014    I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document,  XXXX  granted me a retroactive forbearance in  2014  that lasted from  XXXX   2014  to the end of  XXXX   2014 .  <P/> Thus,  XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in  2014 , and  XXXX  has internally adjusted their records to demonstrate that I was, indeed, in forbearance from  XXXX   2014    to the end of  XXXX   2014 .  <P/> However, despite my numerous efforts to get  XXXX  to update the credit reporting agencies to remove these late payments because I was in forbearance,  XXXX  continues to refuse to updated the credit reporting agencies if these inaccurate late payments.  <P/> I have called  XXXX  to dispute these late payments, and I have supplied  XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied  XXXX  with the FTC  Advisory Opinion  that asserts that student loan accounts need to accurately reflect current information.  <P/> Here is a copy of that  Advisory Opinion  :    XXXX   XXXX   XXXX   XXXX    XXXX  continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be 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 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have called a total of 5 times between myself and my husband to resolve a problem where we attempted to book a hotel in XX/XX/XXXXusing reward points. The website had an issue not allowing the booking to take place, so I called and made the reservation using Chase Bank 's customer service. On the date we booked, Chase Bank deducted from our account Reward points earned through their rewards program equal to {$570.00}. It should be stated that I booked a second room directly through the hotel chain 's website because the reward program did not have any additional rooms left through their program and I needed a total of two rooms. After checking out and returning from the trip I noticed a second bill from the hotel for almost {$400.00}. After calling Chase customer service who then also contacted the hotel manager, it was determined that the hotel never received any money from Chase through the reward program, so charged our account for the room. Chase on 3 occasions said they would resolve the issue and credit the hotel charge on our account and make sure the hotel got their reward points money. Nearly a month later, nothing has happened despite numerous additional calls to their customer service. We have requested that Chase simply refund the reward points they took to resolve the issue since they never forwarded the cash value to the hotel, but to date they still have done nothing. The hotel got their money directly from our account resolving the hotel 's problem, however that means in total ( points + dollars charged to account ) we have paid nearly {$1000.00} for a {$400.00} hotel room. Their customer service never seems to have any records of us calling even though we could easily prove hours spent on their customer service line on our phone bill. We are thoroughly frustrated and Chase 's customer service just obstructs through endless transfers to other operators and promises to resolve the issue that never happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Debt collection (Auto) with TCF NATIONAL BANK (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I filed a previous complain with consumer financial regarding Gateway One Lending and Finance, case number XXXX. Gateway One has sent representatives to MY HOME, contacted my sister ( as stated in my previous complaint ), however, now they have reached out to my best friend, informing her of my debt. In the company 's response to Consumer financial they insisted they would no longer contact family members, friends, or make harassing phone calls to me. They have not honored that agreement. The company has called me at least 10x '' s per day ( which I can prove with voice messages ). My husband has reached out to a representative named XXXX @ ext. XXXX informing him a payment would be made to satisfy the outstanding balance on XXXX XXXX, 2016 once we are in receipt of my husband 's monies withdrawn from his 401k. In addition to coming to my home and disclosing my personal information without my consent to my sister and friend, the company continues to make harassing phone calls, and came to my phone. I have had a car loan before and never have I experienced such harassing and aggressive action by a lender. Gateway one has also gone into my bank account without my consent or authorization, I was told representatives can hear me give consent for the lender to access my account for payment when a payment was made 2 days prior ( paid my XXXX and called representatives the same day to provide confirmation number ) to them attempting to withdraw monies. I have asked repeatedly to hear this recording, however I was told I needed to obtain a court order. I will have to take legal action if these issues are not resolved, this does not feel by their words or interactions with me, to be a legitimate lender as they often convey themselves in such an inappropriate, aggressive manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 DISCOVER BANK (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have OCWEN Mortgage Servicing on my loan # XXXX In XX/XX/XXXX I filed for XXXX XXXX # and as XX/XX/XXXX it has finished Throughout the BK-XXXX Ocwen never sent me a statement I called a complained every month- to get confirmation on my payment Sometimes they would hold the payment more than 25 days I called a lot- Now that the Bankruptcy is discharge and finished - In XX/XX/XXXX Ocwen said I had been one month behind with another Servicing company- from that time I am now THREE MONTHS BEHIND every months its now XX/XX/XXXX- and keep making timely payment- even at a higher amount per their request- Last month I made TWO payment on for {$2800.00} the Contact Agent said to get caught up quicker send in another {$560.00} and it would make another payment as there is a Suspended Balance ( CREDIT of $ XXXX I make the Payment Collection calls every other day they can not find the payment or when I show it to them they say that is only a partial payment no a full payment That term with - XXXX ID # XXXX I can no longer get ahold of this contact XXXX- XXXX XXXX $ XXXX XXXX-/// -- -paid by wire transfer- # XXXX That pays for a Shortage?? In XX/XX/XXXX Payment- XX/XX/XXXX XXXX XXXX ID I transfer {$560.00} with XXXX on XX/XX/XXXX to The OMBUDSMAN XXXX XXXX XXXX TALK XXXX has been contacted from XX/XX/XXXX since I ( they tell me ) I am short one payment in the Bankrupted- now I am three The document 's that XXXX XXXX send to me are never the same - and the Collection Department never gets the information to stop calling me- What needs to be done is for an outside FIRM like yourself to help and assist me with Ocwen they have had the upper hand for way to long and I need some help now- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Cash advance fee

Complaint: My credit card company charged me the same fee for a cash advance XXXX times and refuses to credit the amount involved. They are charging me interest despite the fact that I have put the amounts in dispute. 
I have written letters, complained on their website and called many times without getting resolution.

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 03-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call. 
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX  Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen 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 04/28/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017, I applied for a Capital One XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( capital One ) can not take care of this which led him to give me information to sum it up with XXXX. After calling XXXX, they insisted that XXXX XXXX would have to write a request to XXXX on behalf of the incident. I already have a secured account with capital one as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX XXXX  account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with capital one the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to XXXX I still had Capital One one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted the collection agency XXXX XXXX XXXX a few times over the course of 4 yrs. The debt in question owed to XXXX XXXX XXXX for {$110.00} was paid twice. When I saw this on my credit report I paid it right away to XXXX XXXX at XXXX XXXX. I contacted XXXX to let them know and was assured they would take care of it. For 2 yrs, still on there, I then file a dispute request and received no answer. I did however receive a refund check from XXXX XXXX for the double payment of the {$110.00}. I sent a copy of the stub and letter to XXXX only to see this still remains on every credit report possible. Resulting in a poor rating towards my credit character.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you

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 11/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Transaction issue

Complaint: I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Customer service / Customer relations

Complaint: I opened up a credit card with Capital One in XXXX of 2015. I went online to setup auto-pay for my XXXX payment, but the system was down. I called and spoke to a woman who walked me through the process over the phone. I gave her my banking information and was told everything was all set. I track my credit closely XXXX, and received a notification that my score had dropped almost XXXX points. It was due to a XXXX delinquency with Capital One. I immediately called Capital One to discuss the situation. They appeared to be understanding. I was told they would no longer report this to the bureaus. I then received a letter saying they will not be removing this from credit reports. I called yesterday again to discuss the situation and was told there is nothing they can do. I am frustrated because this was a human error on their end and did not follow through with their promise.

Company response to consumer: Closed with non-monetary relief