milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I purchased airline tickets in XXXX XXXX 2017, in the amount of {$1900.00} for travel on XXXX XXXX XXXX. On XXXX XXXX my flights were cancelled due to a pilot strike on the airline, XXXX. I requested reimbursement by the airline on that date, which I was told I would receive within 30 days. After 30 days of not receiving my refund, I disputed the charge with my credit card company, Capital One, and was told on XXXX XXXX, that I would be receiving the refund within 3-5 business days. I questioned if the funds could be send directly to me, rather than refunding my credit card ( which would put my credit in positive ) and was told that after 30 days if there is a positive balance on my card, that I would receive a check. on XXXX XXXX, I have no received a credit. I called Capital One to follow up and was told that my request is under review, because it is outside my XXXX XXXX or 120 XXXX days since purchase. I explained that the cancellation occurred well passed that window, and was told that I was given incorrect information by the previous customer service representative that told me that it would not be a problem in the least. now, I am here 2 weeks later with no refund from my credit card company that I purchased the flights from.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ingnored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Trouble during payment process

Complaint: It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Specified Credit Association, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Specified Credit Association continues to try to collect a debt that I do n't owe them. I never established a contract with this company and they have continued to call and harass me on my work and home phone and sending me harassing letters indicating that they will report the negative item on to my credit reports if I do n't pay them. They are breaking the FCRA laws.

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 Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the evening of  XXXX   XXXX ,    2017  I was out with my wife for our wedding anniversary. I attempted to withdrawal money from an atm machine and was denied. I checked my balance and there was plenty of money. I tried several more times with no luck. I called my bank customer service ( too k over 30 minutes ) the service person said I was over my daily withdraw limit. I let her know that I have not  used my atm yet and it must be from the machines that were not letting me get money. She made some adjustment and I was able to get cash from the atm. The following morning  XXXX / XXXX /   17  I looked at my account and saw there was activity on my card from an atm machine earlier on the  XXXX . I called Bank of Am erica customer service again and let them know of the fraudulent atm activity. There was also one show ing for  XXXX / XXXX / 17 . Both of these withdraws were in different cities than all of my legitimate charges. I was informed that my card would be cancelled and they transferred me to the fraud department. I was on hold for  over 30 min utes and I had to hang up. The next morning  XXXX / XXXX / 17  I got on the phone again to file the full fraud information and again was on hold for o ver 30 m inutes and couldnt keep holding because I was at work. I then noticed that another atm withdrawal happend on  XXXX / XXXX / 17 . I was very unsure how this could happen if Bank of America cancelled the card. I ended up taking a day off and going into the bank office to file the case. After their investigation I was denied because they said I waited too long to file. When I argued that I have phone records fro m 3 straig ht days of trying to file the case the decided to reopen it. They have again denied coverage because they claim I knew of the charges because I accessed my online banking. When I asked how my card was turned back on the bank says that I called and said there was no fraud and to turn it back on. There is absolutely no common sense in this. Why would I call about fraud then call to turn it back on. These atm fraud withdrawals were made while the same card was being used in another city? How can the bank not have an alert for this. My card was never out of my possession.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Charging late fee unnecessarily Since Hurricane Harvey, I've asked for assistance from XXXXXXXX XXXX. This company is very difficult for their consumers to feel valued. First, they would say they're helping and charge late fee after talking to them. I've made my payments for XX/XX/XXXX and XX/XX/XXXX but it does not say the customer should make the payment in Eastern Time Zone. I live in the Central Time zone and make my payments according that time. Now I'm told after all the years having the account the should be made no later XXXXEST. Without knowing this information, my payment for XXXX and XXXX were considered late so they charged me XXXX late fee. I have been trying to pay this account but they are fees to make harder for me to do that. On XX/XX/XXXX, I called to have the late fees credited but was told they could not because they waived fee in the 12 month period. 
They are referring to an issue they made and had to correct it along with some interest. They should should not be penalizing me for their error and method of correcting it. I've had so many issue with this XXXX 's account and with huge Language Barrier. Most of the time I do not understand what the outsource agents are saying.

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 10/28/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (VA).
Issue: Problems caused by my funds being low

Complaint: I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.

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 03/26/2016 about Student loan (Federal student loan servicing) with NELNET, INC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving call  s from this number. They identified themselves as Halsted Financial Services. I refused to give them my personal information because of all the fraud out there and because someone is in possession of all my personal information.
They would not give me any information. I told them   to stop calling and to send me a bill with details and they INSTEAD keep calling and being rude and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with P.S.C., Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A company called Puget Sound Collections is reporting that I owe them a debt of {$1200.00} and keeps illegally increasing the debt owed on my report every month. The account number being reported to my credit is # XXXX. I have never had any dealings with this company and do not know why they want me to pay them this money. There is no reason for this debt to be on my credit report. I received no written notification that they were placing this debt in collections and I only discovered it was on my credit in recent months. I will also need to understand why they are increasing the balance owed on my credit every month. My XXXX XXXX credit report shows a balance of {$1100.00} and my new XXXX XXXX credit report shows a higher balance of {$1200.00}. Under the FDCA 808 which  governs unfair practices, a debt collector is not allowed to add their own fees or expenses to any amount being collected on. It appears this is what this company is doing in trying to collect this debt and this is completely unacceptable and unethical. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. They appear to be based in XXXX Washington and I have never lived in Washington in my life. I will not give my money to a company that I do not recognize and who will not tell me why they want me to pay them.

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 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Military Mortgage, LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.

Company response to consumer: Closed with explanation