milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: The fraud department has had our business credit card accounts on hold for several weeks now due to payments they want to verify. Although we disagree with the fraud hold initially, we understand the need for security. What we do not understand is why the fraud hold has not been released almost 30 days after the payments were made. 

The fraud department has indicated that they want to verify the payments in question by calling the banks that the payments came from. Unfortunately, XXXX of the institutions do not disclose any information about customer accounts over the phone. The capital one fraud department needs to find a better way to verify payments, and absolutely should have a means of automatically removing security holds after several weeks. In any case, I have attached statements to this complaint, and highlighted the payments showing that they have cleared. I have also attached photo ids of the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, XXXX, and Experian. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.

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 02-06-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been working with XXXX XXXX, now Navient to keep my payments within a reasonable range for years. At first they were able to put my payments in forbearance ( 6 or 7 years ago ). They said it only puts the payments on hold until I am able to afford them. At the time I was making very little money on a commission based job. That never mentioned it would raise my overall loan amount significantly. Eventually I began making enough money to pay them back and they enrolled me in a program to pay about $ 200/month or so. I do have other student loans I am paying off as well. This was working for me for a while, but I noticed my total loan amount was not going down. Apparently all I was paying was the interest. I was young, fresh out of college, and didn't know the questions to ask until later in my life. I've now been working with Navient and they are not able to get my payments into a reasonable amount anymore. I've been paying over $ 500/month for the last couple of years. They are telling me that they can no longer do this and beginning in XXXX my payments will become $ XXXX/month. I can hardly afford the payment now. We had a XXXX about a XXXX  ago who has had many XXXX XXXX and caused a lot of medical bills. I am trying to stay above water and Navient seems to show no sympathy. I did some research and saw that there are lawsuits going in and I'm hoping maybe something will happen to help me and my family. In my opinion, my XXXX   comes before my student loans. I make enough money to not get help, but not enough to afford what they're asking. Navient has been rude every time I call when all I am doing is asking for help. I want to repay my loans, I don't like asking for help, but I've finally given in. When I called this morning to try one more time they suggested I look into getting a second job. I work over 50 hours per week, sometimes I'm traveling Monday-Friday for work. My wife stays home to take care of our XXXX  and ensure he gets the care he needs. I like how they feel they know my life and situation better than I do. If there is anything that can be done, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction issues

Complaint: On XX/XX/2016 I sent a Western Union Quick Collect billpayment to XXXX XXXX XXXX for {$4900.00}. It was never received and posted to my XXXX XXXX XXXX HELOC account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dream Center Education Holdings (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe The Art Institute any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that The Art Institute never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from the Art Institute notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.

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 08-08-2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX, I sent an email to account manager, XXXX XXXX, for my vehicle loan with Prestige Financial Services ; I was requesting a reduced payment amount of {$250.00} for XX/XX/XXXX loan payment. Due to having a medical hardship, the initial monthly payment for {$420.00}, which was set up to be drafted on XX/XX/XXXX, was going to be returned. This was suppose to be XX/XX/XXXX payment, but late. XXXX XXXX XXXX, replied via email on XX/XX/XXXX, stating that she could " reduce and accept '' a {$300.00} payment for the month of XX/XX/XXXX only. Therefore, I accepted her offer for the reduced payment of {$300.00}. Thus, making the {$300.00} payment will bring my account current as of date, until my next monthly payment which is due on XX/XX/XXXX. After reading and acknowledging the payment disclosure sent to me via email on XX/XX/XXXX ; I authorized the {$300.00} payment for XX/XX/XXXX to be drafted from my savings account on XX/XX/XXXX. The disclosure also stated that by Prestige accepting a reduced payment amount for XX/XX/XXXX, this may extend the term of my vehicle contract, and affect the prior three payments received. Now all of a sudden, on XX/XX/XXXX ( today ), XXXX XXXX from Prestige sent me an email stating that my loan is {$50.00} past due and I must make a payment to bring my account current. However, my account should be current from the payment made on XX/XX/XXXX, in the amount of {$300.00}. Along, with her forwarding my information to another account manager named XXXX XXXX ; I am now being harassed by the both of them for an additional {$50.00} payment. Plus, neither one of these managers want to disclose how I would owe another {$50.00} for
XX/XX/XXXX.
I do not like being harassed and threatened to have my vehicle repossessed for additional money they claim I owe, on top of my XX/XX/XXXX payment already made. Please look in to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I applied and was approved for an XXXX XXXX credit card, but the company failed to honor the solicited promotion. The company offered a bonus membership points reward to new members who spend {$1000.00} or more with in the first 92 days of the membership. Before I applied for the card, I called the company and asked them specifically about how to qualify for the award, and I was told that all I have to do is to make {$1000.00} on my account within the first XXXX days of the membership. The company did not tell me that a transaction on the XXXX day would not be applied to {$1000.00}. Then, I applied for the card online after relying on what the representative told me over the phone. During the first XXXX days, I have made in the total of {$15000.00} on my account which is more than {$1000.00} miminum to qualify for the bonus. Later, I spoke with the representative on a recorded line and she said that a transaction on the 92nd day would not count toward {$1000.00} minimum because that transaction would not be posted on the account on the same day. Therefore, I will not be qualified for bonus membership reward for new customer/card member as originally advertised and solicited. The company did not make it clear in the first place about the transaction on the last offering day. I applied for the card because I wanted to get new customer bonus points. I did everything as the representative said, and I should get the bonus but the company said no because the transaction that I made on the XXXX will not count toward the {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: This compliant is against XXXX. As an XXXX professional with the federal government it 's my belief that XXXX are knowingly committing fraud against customers. 

I was conducting a transaction to wire funds to my son for school in XXXX XXXX different times prior to calling for assistance. The transactions did not go through with success indicating that I had to call for assistance. When at the select the option page ; credit/debit card or bank account I 'd selected bank account due to the lower cost which was {$25.00} versus {$45.00} for credit/debit card. The bank account information is linked to the account stored. My account is a combined checking/savings as many accounts are. When speaking with the tech assistant he had me walk through all of the steps I 'd previously attempted. At the end I received the same " We 've Encountered An Error '' message. The tech stated that I should contact my financial institution regarding the account. I stated that there 's no problem with the account. The tech told me that I should try it using my credit/debit card. I told the tech that I 'm an IT professional and I 'm aware of what is going on with their system. It 's my belief they have set something on the back-end of their system/servers that intentionally causes this error to occur when a member select a cheaper option allowing them to defraud and take advantage of customers whom may have loved ones in dire need of funds. If they are doing such I would believe this to be a form of wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Experian is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Experian did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Experian delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.

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 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never contacted or sent anything in the mail about this debt and one day it just popped up on my credit so I had to research myself to get a number and when I called the women was so nasty and rude and would n't let me even ask her anything she just kept saying " how are you going to pay for this debt credit card or money order '' the amount is absurd and I do not owe it. Every time I dispute it they wait a month and put it right back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
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: XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 10-11-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding,  who has bought the credit card from   XXXX   XXXX  . I have already complained about this. They response was that yes I had debt protection insurance and that the claim was notated by the company, but now  Midland Funding  is garnishing my wages. I will pursue them legally and counter sue if this is not remedied. They are sneaky and disgusting, They already stole  XXXX  from us when they attacked us for a debt my husband did not owe. Obviously they are doing work for the  XXXX .   If you refer to my former complaint about the   XXXX   XXXX   account that is what this has evolved into.I have been  XXXX  since   XXXX   due to the negligence of a physician and hospital, which is why I used the debt protection. What good is paying the debt protection monthly and then not be able to use it when the situation happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with Midwest Recovery Systems (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: MIDWEST VIOLATED MANY CONSUMER PROTECTION LAWS INCLUDING SOL.EXPIRED AND FAIL TO ADDRESS LAWSUIT.

Company response to consumer: Closed with explanation