milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Account showed up on my credit report. Was not notified via mail or phone about the debt, amount owed or the original creditor. Thus, not given the chance to request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.

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 02/28/2017 about Debt collection (Non-federal student loan) with Harris & Harris, Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XX/XX/XXXX received discharge of debt. XX/XX/XXXX XXXX intercepts my taxes claiming it was for past loans and XXXX. Even though they sold this account to Harris and Harris in XX/XX/XXXX according to their records I was never notified that I owed a balance to XXXX or any other fee.Therefore not allowing me time to dispute or address any issues.Central collection then sells debt to Harris and Harris an independent collection company. They both was trying to collect the same amount of money.After providing proof of the error XXXX lawyer refuse to speak to me and the employee lawyer refuse to answer my call and address the issues at hand.I have continuously received bills stating the bill is for something else and I continued to dispute all bills..After contacting Harris and Harris and informing them that this debt was discharged they continued to contact and threaten me in regards to this discharged debt.As of today I have not received any remedies from the collection company. I have also requested additional document in which they refuse to provide.These companies have reported to the credit bureaus that I do n't owes these monies in XX/XX/XXXX but continue to try and collect the same monies they stated I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with STATE FARM BANK, FSB (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received an update credit report, no changes nor response to why.

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 02-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it.

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 09-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: To whom it may concern, I had been a Chase customer for 2 years and done everything correctly and justly.
Then, after depositing a variety of checks in to my business account, Chase simply informed me by mail that they are closing all of my accounts, both business and personal.
We tried to get a reason for the closures, but they would not give any, nor was there anything I could do about it. 

As far as I know, there was nothing wrong with my banking activities. 

Please let me know what I can do to get my accounts and/or standing back to normal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

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 08/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TIAA, FSB (OR).
Issue: Other transaction problem

Complaint: Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All tax liens were withdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Payday loan debt) with Midway Resolution Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a call XX/XX/XXXX at XXXX, from a gentleman stating that he was a license carrier part of a national carrier and he was trying to locate me because a formal complaint has been filed against my name and my social security number to appear in court. He said he could grant me a period of time to contact the filing party to update my address for the summoning date and place a possible stop order on his services.He said to contact the filing party at XXXX and reference the docket number XXXX. I then googled the phone number and nothing came up. I also search the docket number on the Georgia public service commission website and nothing was found. I then called the number and spoke with XXXX XXXX at extension XXXX. He stated that I owed a payday loan for the amount of {$2300.00}. I received this exact same call in XX/XX/XXXX. I told him I have already paid this and I have receipts. I then asked him to provide his email address so I could send him the receipts. He gave me the email address : XXXXXXXXXXXX Once emailed I immediately received a mail-daemon that stated the mail could not be delivered. I called back and asked to speak with XXXX XXXX and told him that I did n't have the right email address because the emails were sent back. He said that they had received the emails and that it looks like I paid a fraudulent company. He then advised me to take the paperwork to court. He also gave the option to settle out of court but I told him why would I settle if I already paid. I then told him that I would speak with my lawyer.

Company response to consumer: Untimely response
Consumer complaint received 04-08-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Fraud or scam

Complaint: I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.

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 06/22/2015 about Credit reporting () with LEXISNEXIS (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost my personal information and millions of other people 's information. This has potential to be life altering due to their negligence, I never asked for them to take my information, however they did and failed to house it safely. They also only offer a third party hosted website to check on if your information is compromised, and will enter you to waive your right to arbitration if you do check. This is absolutely disgusting, as a consumer I fear for my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. 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 11/22/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Mobiloans, LLC (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: Approximately  XX/XX/XXXX  I  took out a loan online for {$840.00}. I was charged a {$71.00}  cash advance  fee, also. I have paid them {$1100.00} to date, and still owe {$530.00}. I am a   XXXX   XXXX   resident, and I have found out this loan is not legal in my state, and it violates   XXXX   XXXX   XXXX   Civil Usuary law NJSA  XXXX . They are harassing me, even calling my work phone numerous times daily. I understand I am owed the excess amount I paid over the loan amount. I will no longer make payments on this illegal loan and wish for them to Cease & Desist calling me, my employer, and anyone else to try to collect on this.

Company response to consumer: Untimely response