milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. 
I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. 
Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. 
Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. 
Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. 
Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. 
This is not my fault, and Navy Federal is bullying me when I am not responsible. 
I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been making payments through my credit card faithfully and almost time until I came up with three issues today. One, I could n't login after I sent an email to customer service asking proof of my point of sale relating to my debt. This was on  XXXX / XXXX /2017 at   XXXX   XXXX   Central Time. Two, they have been committing fraud by returning payments from my bank that they posted two days in a row. Three, they 're claiming that they do n't have my email on file, which is false, in order to collect late fees. In addition, they know by law they 're to give a 45 day notice when closing an account, which I believe they have done. If this is the case, then I want my balance at 0. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   In  NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have XXXX negative marks against my credit from equifax credit reporting agency. XXXX is a public record from a company that closed and I never use before. I disputed and proved it was n't mines and XXXX and XXXX took it off immediately but equifax refuse to remove it even after its been proven it 's not mines. And a new collections just popped up only on my credit report that 's not mines and the refuse to provide me or equifax proof I owe it and equifax refuse to remove it off my credit report. Another company XXXX keeps saying I owe them with no proof of a signed contract. XXXX deletes it but equifax wo n't deleted at all even after proving I did n't owe the debt. Something has to be done. I 'm ready to sue equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Self Lender Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX.

Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment.

I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due.

Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''

Company response to consumer: Untimely response
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX   XXXX   My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   that I did n't open also a Kohls credit card with {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX  when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My XXXX was recorded wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My minimum payment was due on XXXX/XXXX/XXXX. I made the minimum payment online on XXXX/XXXX/XXXX. Kohls states that even though I paid it on XXXX/XXXX/XXXX, they now have a policy where bills must be paid by a certain hour on the due date and charged me a late fee of {$37.00}. After contacting Kohls on XXXX/XXXX/XXXX to file a complaint, they removed the late fee charge. Now I get my next month statement and the minimum payment is {$38.00} more then what my minimum payment normally is. Per Kohls, it is because I made a late payment ( which I did n't ) so the next months minimum payment automatically is more. They never notified customers of this change and when I informed them of that, the response I received was " well we added it to the back of the statements. '' Considering along with most customers I do n't get paper statements in the mail anymore, how was I supposed to read that? They are refusing to decrease the minimum payment due back to where it should be. It appears that even though they say they removed a late fee, they are still getting it by upping ones minimum payment for the next month and if a payment is actually made late, they are double dipping in the late fees area by charging a late fee AND increasing only the next months minimum payment. If a person paid a bill late due to financial issues, increasing the next monthly payment is likely to incur another late fee and higher next payment. So basically Kohls is making money by charging these fees over and over. Disgusting and Unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.

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