milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Customer service / Customer relations

Complaint: In reviewing my most recent Capitalone statement it came to my attention that, though the beginning balance on my statement was {$5000.00} and I made payments during the statement period totalling {$4400.00} leaving a remaining balance of {$630.00}, I was charged over {$100.00} in interest for that period. I saw on the statement that the amount that was used to calculate the interest was {$5400.00}, which made no sense to me. 
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months, have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh, she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards, not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience, I believe it 's a good idea.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX year old daughter is getting phone calls daily during school hours threating her when she has answered the phone stating she is not the person they are trying to contact and messages left daily on her phone. They call her daily and continuously, I have called and asked them to take her off their call list on multiple occasions, left messages and to no avail. I do not believe my XXXX year old should be harassed when clearly she is NOT the person that owns this debt. Harassing a minor can not possible be condoned for the collection of a debt. Causing undue stress to a young XXXX girl should be considered bullying!

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: TODAY XX/XX/XXXX CITI CARD PUT MY CARD ON FRAUD ONCE AGAIN. IT HAPPENS EVERY HOLIDAY OR WHEN I CAN NOT HEAR SOMEONE AND IT GOES TO FRAUD AND VERY SCARY. IT I WAS OUT OF TOWN AND XXXX I WOULD BE STRANDED. I HAVE TO GO TRU XXXX ALL THE TIME. I AM FURIOUS. I CAN NOT HEAR. EVERY HOLIDAY THIS HAPPENS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
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: With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.

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 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I have not been using XXXX for years but they are still charging my account with increasing amounts. XXXX is charging my XXXX account for the services I 've never requested or used. I called them and they returned my money without any problems and agreed that I should not pay for unwanted services, such as web site building applications I never used or requested. That is why I decided to stop XXXX from taking unauthorized amounts from my XXXX. Instead they added together random amounts, put them on my credit I never had with them, and started harassing me sending threatening letters, then sold this fake debt to the collection agency who started sending me harassing letters and threatening to ruin my credit. Please stop it immediately and return all money I paid to XXXX for fake services I 've never used.

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 01/23/2017 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Credit determination

Complaint: On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. 
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. 
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. 
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. 
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. 
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. 
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. 
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. 
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. 
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Vehicle loan or lease (Lease) with BB&T CORPORATION (OK).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (AL).
Issue: Account opening, closing, or management

Complaint: Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: 1. I have not been provided regular statements. The only statement I have received since getting my loan ( 13 years ) is the on I have attached. 
2. I have not been provided a tax statement in in the last 5 years which meant I could not claim student loan interest on my taxes. 
3. I was told my loan was not eligible for loan forgiveness because I have the wrong kind of loan. I have worked in social services since my graduation. 
4. In reviewing the statement that I finally received I do not understand their process for interest being charged. Interest should be going down with each payment but is all over the place, almost doubling at times. It looks like I am being over charged on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Had a CareCredit account used for eye glasses and dental charges. Through no request from me company sent a CareCredit XXXX. After several notices both print and electronic I did activate the XXXX ... the initial account with the promotional offer was closed and the balance moved to the XXXX. The promotional offer on the balance expires XXXX XXXX. As far as I was concerned, once the balance was moved to the XXXX the promotional offer should have become null and void as the balance was moved before the promotional offered expired. Therefore, I should not be subject to fees that will be incurred because the balance was not paid in full. This is not how the credit card company views it, however, I beg to differ. I view this as criminal intent to squeeze me for the fees not charged during the promotional period and although I requested the balance be charged to the credit card of my choosing, I was inform I could n't do it but that is exactly what the company did. They move the account to a credit card albeit it was their own and still plan to charge me the fees once the promotional period expires.

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 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Payday loan) with GCFS, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation