milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like XXXX and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Refuse to work with me on payments. School had closed and they still had me repay. Original lenders sold to them. And their interest rates are way higher and keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: I 'm a XXXX. XXXX, I changed my password to my online business banking profile at Chase. Since then ... 
XXXX My Quickbooks online account will no longer automatically download my banking transactions from Chase, even after I changed my credentials in Quickbooks XXXX I 'm now paying my bookkeeper to perform manual downloads of banking transactions from Chase, followed by manual uploads of the transactions to Quickbooks XXXX I 've opened a case with Quickbooks ( # XXXX ), and their customer service claims there is a problem with Chase XXXX Quickbooks has partially refunded my subscription, due to this issue & gt ; No one at Chase can provide me an answer on this particular issue XXXX I 've read a XXXX story that indicates Chase is now blocking services like Quickbooks, here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I agreed to pay a settlement amount of XXXX and MIDLAND CREDIT MANAGEMENT charged me XXXX for the same payment, which was XXXX XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with CITIBANK, N.A. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.

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 06/23/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Forbearance / Workout plans

Complaint: i had a credit card issued from Citibank and was a cardmember for more than 25 years with good credit and payment history. Around early XXXX I had trouble making my payments and tried to work with them. On XXXX XXXX, XXXX, Citibank put me into a program that had me make smaller payments and sent me an agreement that said if I made all of the payments they will re-open my account in 12 months. Right around the XXXX month, I made my regular payment and expected to have the account re-opened. Citibank then said that in order to do that, I would need to make a regular payment for the balance that would be around {$600.00}. I told them that they never told me that when I agreed to the agreement they sent me on XXXX XXXX, XXXX. They told me that " The system, that makes all of these decisions is the one who decided that, in order to re-open my account, I would need to pay that amount. I did pay, even though it was very difficult and then about two weeks later in early XXXX XXXX, they told me that they were not opening my account and the full amount would be due at a rate of 30 %. I told them that they promised me that they would work with me and understood at the time the economy was terrible, but ended up putting me in collections. When I tried to stay out of collections, during a call to XXXX of their collection agents, I let them know I could afford a {$200.00} payment and they laughed and said " why bother ''. 

My Debt has been sold to many debt collectors, and the latest sent me today a so called validation of my debt which also included someone else 's debt information which I believe is illegal. 
I think Citibank has violated the terms of the agreement it entered with me. I believe that they misled me in this program that was going to help me defer payments due to financial hardship. I do know that last year around this time you were successful in getting them to correct this predatory and deceptive marketing.

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 04/13/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 09-08-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was issued a predatory loan from your bank in XXXX. Being victimized in this process my last installment was in XXXX. This was a nightmare of a time for my family because I was not given any reliable options of relief that would give me a since of stability. I was sent through multiple loan modifications, monies were taken from me without any result of resolution. Currently I find that this issue is still haunting me, and without my knowledge. Your company filed a claim with my name attached without my knowledge several years after we conducted any business, and that is unacceptable. XXXX is reporting a claimed was paid XXXX/XXXX/XXXX to your company. I called your office on yesterday and was emailed and told information conflicting with what XXXX is reporting. Your company shows that a claim was received XXXX/XXXX/XXXX and it was settled XXXX/XXXX/XXXX, this is conflicting information. The original proceedings were in XXXX. These conflicting dates shows legal remedies were not followed ad I once again victimized. I feel your company drug their feet on making this issue correct. I have being a victim of several tactics for your institution, and it is unacceptable and unlawful. This matter should have been handle in XXXX, and for what ever reason it was not. I am requesting that chase provide me documentation that relinquishes me from their mishaps, and make this issue correct with XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with POPULAR BANK (CA).
Issue: Problems caused by my funds being low

Complaint: I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.

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 07/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Thank you for taking the time to read this letter.
Navient gross mishandling of my student loan payments has resulted in me receiving erroneous late fees, capitalized interest charges and negative reports being sent to the 3 major credit reporting agencies.
I have unsuccessfully attempted to get a straight-forward answer from NAVIENT Student Loan servicing for the last two years as it pertains to how my student loan account. My questions are specific to how my payments have been applied, why I have been charged 18 late fees ( some months I was charged a late fee twice in the same month ) in months that my payment was not late and why I my student loan interest was capitalized in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Navient continues to ignore my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had applied for credit with XXXX and was denied. The credit bureau used was Experian. I went online to their website to obtain a free copy of my credit report as allowed by law. The website challenged my identity with XXXX questions which I know the answers to. The site said it could not verify my identity and I would have to request my report by mail. I then went back to their main site and they offer your credit report and FICO score for {$1.00} for a 7 day trial to their credit monitoring program that then charges you $ XXXX a month. I signed up for this just to see if it would let me see my report if I paid for it. The verification page only had XXXX questions this time and what do you know, the system was able to verify my identity. Interesting that when requesting a legally required free report they make it difficult to get my credit report but as soon as I pay them some money they miraculously make it so easy and know who I am. This stinks of fraud to me. I pull my credit reports every year and if I am declined credit or a service. Experian makes it difficult if not impossible to obtain what they are required by law to provide. They wanted me to send a copy of my driver license and social security card through the mail to them. I have worked hard to build my credit up and the last thing I would do it just mail my identity to a processing center. Transunion and Equifax do not cause this kind of headache when getting my reports from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vengroff Williams, Inc (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been contacted by XXXX XXXX and XXXX XXXX from Vengroff Williams. They are collecting a balance that is owed by my former business on behalf of XXXX XXXX XXXX XXXX. I had been making several payments ( even more than the minimum was XXXX but was unable to pay one month. I explained to them that I was trying to earn more money and would send them some as soon as I could. The phone calls were numerous ( often XXXX a day ) and always demanded that I call them back " this morning '' or " by the end of today ''. I explained that my only contact number was my cell phone and I could not use it at work so I often could not answer or " call them back this morning '' as they demanded. I even changed my cell phone message to remind callers that I was probably on a job and could not be reached. I asked XXXX to use email as a contact method instead. The calls continued. I finally stopped answering when she left a message that she was " mortified '' that I could not make a payment at that time. Now there is a lot in this world one can be embarrassed and humiliated about, but it is definitely not that the owner of a closed business is not able to pay all her former business ' bills. XXXX also told me that I had to " take the bull by the horns '', that she was meeting with legal counsel and that the account would be " pulled from Collection ''. I have saved XXXX phone messages that she left concerning the account. I felt very threatened and was very frustrated that she continued to contact me on my cell phone while I was at work and not allowed to speak on the phone by my bosses. Work is hard enough to find and I was afraid I would not be asked back to work if my phone kept beeping.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing/Cancelling account

Complaint: Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.

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 07-12-2015 about Debt collection (Credit card) with Convergent Resources, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Ive had a Chase credit card since 2014 and made payments on time for 4 years. I set up automatic payments by phone, but they didnt go through and I was delinquent 2 months so they closed my account without my knowledge. I got an email to make a payment before XX/XX/XXXX so I made a big payment by phone for {$560.00} on XX/XX/XXXX and was confirmed by a rep. I also set up automatic payments for the rest of the year to pay off the balance. Was told that my account was now up to date. On my credit report its showing account closed and my score dropped XXXX points. I have been trying to resolve this for a month and keep getting passed around on their automated system. A chase branch rep, actual human told me to call the credit bureau Dept and I couldnt not get a hold of that Dept. I got a job that pays more and will be able to pay this credit off, but need this negative strike removed and my account back open to show my history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: I used the capital one mobile application to make a payment on my capital one quicksilver credit card. I noticed a day later that they actually planned to charge me XXXX different times but assumed it was just a mistake. Capital one then charged me XXXX dollars XXXX times and XXXX dollars a third time. I called them about the charges and they said it would take XXXX business days to refund me the accidental charges. The payments overdrafted my bank account which caused me to be charged with overdraft fees since they charged me more money than I actually had in my account. I deposited XXXX dollars so I wouldnt owe as much but I am still negative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A few months ago I disputed XXXX chapter XXXX bankruptcy entries with Experian ; after many attempts ; Experian continues to validate the entries and remove them from my report. In XXXX of 2016 I sent a letter straight to the Bankruptcy court at the address that Experian reported to me at the end of their investigation. The letter was returned to me undeliverable as addressed. this again shows that they 're reporting bad information. Please remove these entries from my report. I have uploaded documents proving my statement.

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