milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other

Complaint: On XXXX XXXX I used the Capital One Credit Card payment system to authorize a payment of {$150.00} to my credit card. I discovered on XXXX XXXX, 2015 an un-authorized deduction from my checking account of {$1800.00} taken by Capital One Credit Cards. I have spoken to XXXX customer service representatives. XXXX supervisors and XXXX senior supervisor. They have promised to refund my money within XXXX days since XXXX XXXX and this has not happened. They have also refused to pay the insufficient fee charges {$230.00} that have hit my account for the bills that I had to pay. On XXXX XXXX I noticed the money had not been refunded so I called back to Capital One and was told that the situation was still under investigation and the funds were not released. When I asked to speak to a supervisor I was transferred to XXXX who told me that the funds would be in my account by Thursday evening. I asked if she was sure and she said yes. I told her that I had {$200.00} in insufficient fees on my account and several bills still coming through. At his point my account was now negative by {$1300.00}. She provided another XXXX. XXXX number and asked me to send a statement from the bank with the amount of insufficient fee charges my account had received. 
On XXXX XXXX I called again and requested a supervisor, I was transferred to Senior Supervisor XXXX who told me that my money is still sitting with Capital One, XXXX week later, because they are trying to see how this happened. I told her to send me money and you all can investigate this on your own while my money is sitting in my account and she said there is nothing she can do. I have a mother with XXXX and XXXX children that I am supporting. Every dime I make goes toward our living expenses. I explained this to Capital One Credit Cards and they do n't feel that this is their problem. I need the money for the insufficient fee charges returned to me. Currently the fees are at {$150.00}. The reason I am writing is to complain, Capital One Credit Card staff have lied to me and given me the " run around for a week ''. Why I should pay a fee for a mistake that Capital One 's system made. It is impossible to enter XXXX payment requests at the same exact time into their system unless you are sitting at XXXX separate computers. Also, if there is an issue with their system I would think ( in this era of hacking that the focus would or should be on determining where the problem lies ). Can you help me get my money back please? 

Capital One has been highly unprofessional, and condescending. I feel like they think I am a joke every time I call. 
Their is a problem with their system. This is not a consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to get into with Transunion credit reporting company about identity theft and fraud accounts on my credit report, I have been denied access to my report, and have not been above to talk with someone on the phone these issues either way. I know have a problem what is there problem.

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 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A leasing company XXXX AT XXXX XXXX XXXX XXXX filed a claim against me at the end of my residence in 2015, I thought we had come to an agreement by the time I left. However, this previous account and charges that I do not owe, were sold to IQ data in XXXX XXXX XXXX now there 's nothing I can seem to do to prove to them I do n't owe this debt!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 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 02-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with Cash Express, LLC (TN).
Issue: Problem when making payments

Complaint: I applied for a flex loan with Cash Express last year. The employee told me that it would be cheaper than the current loan I had with them and we could pay my current loan off with the new loan. When I got my first statement, I realized that the employee had not been truthful. The previous loan I had was only due once a month with low interest. The new loan is due every two weeks with 279.5 % interest. Soon after I went in to make my payment and the store had new employees. They looked over my file and realized that the employee who originally filed my application was not truthful about my monthly income. Without my knowledge she put on the application that my income was significantly higher than it really is. I also noticed that my statement sent in the mail did not match what they verbally said that I owe every two weeks. My statement shows that I owe a payment monthly. When I questioned them about this, they said that my statement is not correct. They said that the amount on my statement is actually split into two payments that are due every payday. Around XX/XX/XXXX when I called and asked how much my payment was they said they weren't sure because there was something wrong with their system. They said just pay whatever, like {$100.00}. I did as they requested. Soon after, the location I had been going to closed down. They told me I needed to work with another location. The manager from the other location called me on XX/XX/XXXX around XXXX XXXX. She told me that even though I made a payment of {$120.00} on XX/XX/XXXX that I needed to bring in {$99.00} by XXXX XXXX  or they would ACH my account. I told them that I wasn't aware of any money due and had not received a statement reflecting that. She said the past due amount was from previous months when the employee at the other location was telling me to pay whatever I wanted. I explained to her that I did not have the money in my account and I needed them to hold it until XX/XX/XXXX since I wasn't even aware until that day that it was owed. She agreed to hold it until XX/XX/XXXX. She did not do as she agreed. She sent through an ACH on my account that evening, XX/XX/XXXX, after saying she would hold it. My concern now is that my statement every month is not matching what I owe. For example, my statement for XX/XX/XXXX to XX/XX/XXXX that I received yesterday shows that I have {$210.00} due on XX/XX/XXXX. The manager called me yesterday demanding that I pay {$130.00} by XXXX XXXX or they would ACH my account. I called and spoke with the district manager today, XX/XX/XXXX and told her that I was filling the report and would not pay until XX/XX/XXXX as my payment reflects.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Settlement process and costs

Complaint: Wells Fargo bank is continuing to attach late fees onto my mortgage each month for a single rolling 15 day late payment on an amortizing negative amortization ( the only amortizing " bi-weekly '' neg am '' loan in the market at the time we got the mortgage, which was over 5 years ago and originally initiated by Wachovia Bank and purchased by Wells Fargo ). This late payment happened more than two years ago. In essence, they are compounding monthly interest on that single rolling late. I already know this is an illegal procedure. In addition, my loan " note '' calls for a grace period on the mortgage payments which are due and payable every other Friday. According to a report from my employer which is a large national mortgage company, Wells Fargo is recently reporting late payments to other lenders and major credit bureaus that I 'm working with. Our mortgage payments are not late which we can prove because we pay everything electronically. This too is completely illegal and an attempt to hold me in a predatory loan by preventing me from re-financing out of it which is what I 'm attempting to do and will do in spite of this horrible banks shenanigans. Wells Fargo is the most despicable organization on the planet in my opinion and worse than XXXX in my opinion because XXXX at least claims to have a cause that is not tied to " make money at any cost '' as its sole motivator. Additionally, I would urge anyone in the country with a Wells Fargo mortgage loan to demand a written payment accounting from Wells Fargo and to assess all late payment charges if they have any. 
Update : I went to Wells Fargo Bank and they admitted they were not aware of my loan note requirements. They stated they would stop accruing late charges and would follow the loan note mandates and call me to rectify. This was one week ago and so far, I have not heard from anyone at Wells Fargo that has promised to keep me updated, including the Wells branch loan manager who also promised to e-mail me an update.

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 08/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX billed me without providing the services they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I called to clear debt the company had XXXX information about 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 02/23/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

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 09/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. I created this fraud alert directly with Equifax earlier this month. Despite this fraud alert, an individual through XXXX and XXXX was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at XXXX and XXXX XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The negligence on the part of the financing manager at XXXX XXXX and loan officers at XXXX and XXXX XXXX is reprehensible. However, Equifax needs to have these inquires on my credit report removed immediately. I 've filed an additional police report with local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My name is XXXX XXXX and I am desperately trying to seek some assistance from Wells Fargo about a personal business matter. I have been a student loan customer of Wells Fargo Bank since XXXX of XXXX. I have taken out a total of XXXX separate private educational loans, with XXXX of them being paid in full with no late payments. They are as follows : Acct # XXXX - {$2500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3400.00} - Paid in Full - Perfect Payment History. 
Now to the last XXXX private educational loans that I have from Wells Fargo. The following XXXX loans are in Charge-Off status with Wells Fargo : Acct # XXXX - {$3400.00} - Charged-Off - {$1300.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
Acct # XXXX - {$5700.00} - Charged-Off - {$2200.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
I lost my job in XXXX of XXXX. When I lost my job, I still made my payments to all of my loans on time and complete until the company I was working for transferred me from XXXX XXXX, XXXX to XXXX, XXXX in XXXX of XXXX. At this time, my co-signer/co-borrower took over my payments for me ( XXXX XXXX, my grandmother ). She did this for me until I found them to be charged off. My phone number, address, or email were never the same as my co-signer/co-borrower. I never received a single notice for a 30 day late, 60 day late, or a 90 day late on these loans. I also never received any notice directly to myself of any charge-offs until both loans were charged off and outsourced to a collection agency ( who then transfered them back to Wells Fargo ). After they were transfered back to Wells Fargo, I done everything in my power to pay them off in full as fast as I could.

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 02-01-2018 about Debt collection (Medical debt) with Capio Partners, LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Rewards

Complaint: I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: ACS education company cheates me and put my federal student loan in default under 270 days. They sent me to XXXX their collection agency and I had to make 12 consistent payment to bring it back to active. After I made 12 monthly consistent payment. They sold me back to ACS.

Company response to consumer: Closed with explanation