milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had a US bank account a couple years ago that was hit by fraudulent activity. I called customer service as was told my account would be closed and not to worry about it, a few months later I started receiving bills from them stating I owed over {$1000.00} in overdraft fees and that my account had not been closed. I called the customer service again and was told that the other guy did n't do his job and that if I did n't pay them right away they were going to report my account as being abused and fraud on me. I refused to pay as I had already been advised that I would n't have to worry about it. I have since had a XXXX XXXX 2nd chance bank account for over 2 years now and feel that I am forcing myself to suffer by not having a real account all because US bank feels it 's ok to rob people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other

Complaint: My bank says American Express received electronic payment on XXXX XXXX, but American Express posted it as received on XXXX XXXX causing it to appear as late.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: have XXXX of the credit cards with chase bank and this credit card was told about 7 years ago that was closed and no longer available to use, but i have been continuing making payments to this credit cards, I have sent letters to stop charging those high interests in the account with no luck they have continuing charge high interests month by month and increasing the minimum payment to put in perspective I have paid close to 1500 dollars this 2017 year and only have made a reduction in what I owe by XXXX dollars they have pocketed XXXX XXXX dollars in interests only this year I come to a point where could not made minimum payment anymore and they have doubled and tripled the minimum payment This is unsustainable to my poor economy. I need your help is really closing this account and they stop charging interest and lower the minimum payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: on my credit report Experian is showing Reliable Credits last post as a reposession. That was in our bankruptcy and PAID IN FULL. It was reposessed as you can see on the credit report we had to RE file the bankruptcy because there was missing information from my hunbands employer. The court ordered Reliable to return our vehicle and we paid it off through the bankruptcy. And should not be reported until XXXX as the bankruptcy will be done reporting after XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Have informed company repeatedly not to call my prepaid phone ( XXXXmin to receive calls ). They refuse to stop calling, even though I have made payment arrangements. 

In TX, FDCPA applies to first party collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a bank account with Citibank for a {$400.00} promotion after maintaining a deposit of {$15000.00} for XXXX 30 days ( promotion : XXXX ( XXXX ). The account was opened on XXXX, and I was informed by a customer service representative that the {$15000.00} deposit must be made by XXXX. I transferred {$15000.00} into the account on XXXX, after which I contacted Citibank to ensure that the deposit qualified for the promotion and received confirmation that it did. On XXXX, I called Citibank to check on the progress of the promotion. The representative informed me that my account qualified for the promotion and that it would be applied by the end of XXXX. On XXXX, I contacted Citibank again because the {$400.00} promotion was not applied. The representative said that I qualified for the promotion and met all the requirements, and she therefore opened an investigation. On XXXX I received a letter by mail from Citibank informing me that I did not qualify for the promotion. This is contrary to all other contact with Citibank representatives, and my money has been sitting in Citibank accounts waiting for a promotion under false pretenses.

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 08-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Arbitration

Complaint: CONTACTED CHASE AFTER AN UN AGREED CHARGE AMOUNT FROM A RENTAL CAR BUSINESS XXXX. CHASE MANDATED A FORMAL LETTER AND POLICE REPORT NUMBER. XXXX WERE PROVIDED FOUR MONTHS LATER AND AFTER A PHONE CALL CHASE WAS CONTACTED AGAIN FOR STATUS UPDATE. CHASE PROCEEDED TO INFORM ME THAT THERE WAS NO RESOLUTION AND THE DISPUTE HAS BEEN CLOSED NO ONE CONTACTED US NEITHER BY LETTER, EMAIL PHONE CALL NOR TEXT. THE VEHICLE THAT I RESERVED AND AGREED TO PAY WAS BROKEN PER THE RENTAL OFFICE AND THEY UPGRADED MY VEHICLE. OTHER OPTIONS WERE AVAILABLE SUCH AS PROVIDING ANOTHER SAME CLASS VEHICLE AND BEING XXXX THAT WOULD BE A POSSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Dream Center Education Holdings (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.

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 03-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan provider, Navient, formally XXXX, would not work with me on repayment options. I was not given options in terms of repayment based on my income and family obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. Please help!

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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card? 
Why XXXX enforce me to pay this amount and some fee charge that I never use it? 
It's not my fault. Unfair for me.

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 01/18/2017 about Consumer Loan (Installment loan) with Diversified Consultants, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I lost my job and I am unable to repay the debt. They are constantly calling me and threatening me over the phone. I have asked them to quit calling but they continue to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed my Trans Union credit report and I have XXXX credit inquiries from XXXX XXXX XXXX that are unauthorized and fraudulent credit inquiries. I am a victim of identity theft and been a victim of identity theft for over 7 years now. I want Trans Union to remove the credit inquiries from 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 09-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have asked for a verification of debt bc I I know my loan balances are extremely high. It appears as if they are being counted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : 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 08/23/2016 about Credit reporting () with Credit Karma, Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I do not open a credit card or anything else in the name of XXXX XXXX XXXX. I want this removed from my credit information. Please investigate and see who opened that fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. 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