milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: In XX/XX/XXXX I conducted my annual end-of-the-year assessment of usage of each of my credit cards. At that time, I discovered that I had been paying interest charge of 29.99 % for charges made to my XXXX platinum American Express credit card. In XX/XX/XXXX, I was informed that I was one day late in paying my monthly payment. My assistant, who normally processes my monthly payments, actually was several hours late in making my electronic payment, but that apparently was enough to mandate a late payment fee. In any case, I called the credit card customer service line and, as a result of consistent on time payments, was issued a credit on the late payment fee. As I traditionally have my assistant process my payments because I use this card for business expenses exclusively I was not aware that a 29.99 % interest charge was issued on my balance since XX/XX/XXXX ( she has always read the charges to ensure consistency with my receipts and then issues a payment of whatever amount I ask her to submit ). 

Upon seeing the interest charge I called the customer service line and reported my concern that when I was issued a credit for the late payment fee no discussion of the increased interest charge was presented to me. The official that I spoke to informed me that the fees charged to me could not be credited. The charges amount to roughly {$850.00}, double what I wouldve been paying under the normal rate of closer to 14 %. I immediately canceled my card. I write to you now to lodge a formal complaint against the XXXX American Express platinum credit card company for their failure to inform me that the waving of the late payment would have no bearing on the exorbitantly increased interest rate. Had the representative been fully informative than I wouldve made a complete payment of my charges at that time and not use the card for the ensuing penalty period. I consider the representatives inability to provide me with this information a manipulative act and I seek a credit of {$420.00}, which would reflect the extra fees imposed upon me during the period of increased interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is reporting my current auto loan from XXXX as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit 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 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: The complaint is against CHASE credit card services. I have a checking account and also auto loan with them. They offered a balance transfer with 15 months zero interest. I asked for about {$2700.00}, and I was approved immediately. Yesterday XX/XX/2017I received the card in one mailing, and then a letter in a second. The second said " Update : Your credit card application is approved but no balances transferred. '' The reason cited : " PA-The payee address is unknown ''. CHASE does n't know the payment address for a competitor, XXXX? I called and the agent said the reason was a $ 150+ transfer fee. My response was to order him to close the account. This is bait & switch. Today I wrote to a letter XXXX XXXX XXXX, Executive VP Chase Card Services. Her name was on the cover letter with the card. I do n't know if she is really the one to address this problem. I copied XXXX XXXX, who was the CEO of Credit Card Services. I do n't know if he still is there.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
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 written all three Credit Bureaus XXXX, XXXX and XXXX about my daughters Navient student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. Navient has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that Navient is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. Navient is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (NV).
Issue: Trouble during payment process

Complaint: The servicer refuses to follow the signed order from a FEDERAL COURT JUDGE. This has gone on for well over a year. I have contacted  XXXX   XXXX  at the CFPB and was told to refile a complain since the matter is not resolved and the servicer refuses to update the payment history to reflect current and cancel out the negative balance. Prior submitted attachments very clearly show that the account should not be escrowed. Previous complaint number is  XXXX .   On the previous response by the servicer they were inaccurate and very clearly have still not followed the judges previous orders.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (DE).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: #NAME?

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 10-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Hello, I submitted a refinancing application to Quicken Loans for XXXX of our XXXX homes in order to pay down some unexpected debts. My loan application was approved pending an appraisal of the property. After sending all the documentations to Quicken Loans. I was asked to provide many years of tax information going back to XXXX and I did that. Finally, they came back saying that they ca n't move forward, because appraiser could n't find a comp for the property ; which seems odd, because there are several rented properties in XXXX mils radius of our home. I asked for a copy of the appraiser 's report and they indicated that there was no appraisal and therefore I asked for a refund of my {$500.00} appraisal fee back and an explanation of the process. I have not received neither as of this morning. All they have said is that the appraiser could n't find a Comp. Our rental agent has several properties that he is managing in that area. I understand the separation of broker and appraiser as a result of changed policies after the crash of XXXX ; however, there is clearly a problem with this process because there are available Comps for our property. It seems to me the Quicken Loans did n't want to move forward with this loan and I can accept that. It 's the reason that they are providing that is troubling for me. I have shared this reasoning with several realtors and none of them have heard this reasoning before.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle lease) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Taking out the loan or lease

Complaint: Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint

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 04/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased appliances a t HH Gregg Store i n  XXXX , Fl. on  XXXX / XXXX /  XXXX   in amount of {$4300.00}. Purchased additional appliances on  XXXX / XXXX /  XXXX   in amount of {$1300.00}. On  XXXX / XXXX /  XXXX   went to store to schedule delivery date. Sign at store said store closing. Asked to have order cancelled and told by employee  XXXX   XXXX  that store could only give credit of {$2800.00} credit  as HH Gregg fili ng bankruptcy. Cancelled order for several appliances in amount of {$2300.00}.  XXXX  indicated remaining appliances would be delivered. After several promised deliveries were cancelled by  HH Gregg my  wife received a phone call  from HH Gregg saying  appliances would never delivered. Purchases were all made on HH Gregg/Synchrony bank credit card. Name on credit card was  XXXX   XXXX   XXXX , Account #  XXXX   XXXX   XXXX   XXXX . I have written Synchrony Bank on  XXXX  via  XXXX  certified mail and have receipt of delivery dated  XXXX / XXXX /  XXXX   by Synchrony bank. To date I have not heard from Synchrony bank regarding these disputed transactions as required per their instructions.Please call me to discuss.  XXXX   XXXX   XXXX   XXXX . 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 06-09-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (CO).
Issue: Closing on a mortgage

Complaint: Back in  XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through  XXXX   XXXX   XXXX . They held a  XXXX  and  XXXX  on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the  XXXX  loan was  sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent.  <P/> My complaints are wit h : Bayview Lending   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (MI).
Issue: Shopping for a loan or lease

Complaint: I made an online inquiry about payday loans. I was contacted by a person named XXXX XXXX. After processing my application on the phone and verifying my credit history, XXXX informed me that due to my credit score, I would have to pay for insurance in the amount of $ XXXX usd. His supervisor sent a loan confirmation letter with " PNC BANK '' listed on the letter head. When I agreed to the loan amount, he then asked me to purchase an " XXXX '' card to pay for the insurance. I refused. He then asked me to got to a money gram. I refused. Instead I contacted PNC XXXX XXXX XXXX XXXX program to inquire about this method. PNC has confirmed that they do not have a program that offers insurance for installment loans, and that they do not require insurances on the loans as they are FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: Investigation took more than 30 days

Complaint: On XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX 2017 and XXXX i have an inquirys from XXXX XXXX XXXX that I need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The day of XX/XX/XXXX I went to Gap at the Mall XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I was asked if i was interested in getting a Gap credit card, I said yes! 
They made a credit inquiry check on my credit and I was approved. 
They gave me a new Gap credit card! 

I came back the day of XX/XX/XXXX for shopping at the same Gap Mall at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They ask me if I have a Gap credit card I say yes but I didnt bring it with me, I left it home. They ask me to just give my phone number, name and all informations so they can find my credit card, I give them all the informations. They told me they cant find my credit card, so I may not have one. I told them i do have one, its at home. I didnt understand why they couldnt find my information on their computer. 

They use all the information I gave them, instead of finding my Gap credit card information, they made a second time a credit inquiry on my credit. A week later I received a second credit card form Gap. 
Which is not good for my credit report. 

I call the company and tell them what happen and needed to be fixed, they told me their is nothing they can do about it. When it's done, there's nothing they can do. 

I want XXXX XXXX to take full responsibility of what they did to my credit report and fix it 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 non-monetary relief
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Critical Resolution Mediation LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.

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