milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Customer service / Customer relations

Complaint: I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am unable to get my free annual credit report or dispute my credit report online.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Santander used fraudulent dealers to open an account in XXXX XXXX, 2009. Santander is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Using a debit or ATM card

Complaint: I have been scammed out of my money and my bank is doing nothing to help me. I did allow this stranger access to my mobile banking, but he some how got into my bank account online. I told my bank this and they seem to find no error has occured three times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient has called me and my relatives 27 times in the past 24 hours. This is extreme harassment. I scheduled my payment to be made but their incompetant customer service cant get past that. I work XXXX hour days from XXXX to XXXX I dont need to be harrassed by them when I have this mountain of debt to worry about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with U.S. BANCORP (NE).
Issue: Account opening, closing, or management

Complaint: I was told that my checking account at US Bank was going to be closed. Apparently because I had asked questions and supposedly made a teller cry, my account was being closed.

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 11-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Synchrony Bank offers the Care Credit card which I have used for health care related expenses for a few years. About two months ago, ( late XX/XX/XXXX ) I received a credit monitoring notice that a new card was added to my account. I called the company immediately because I did not apply for or ask for a new card. They told me that they were upgrading me and providing me with a new card that would have a XXXX logo so it would be usable anywhere, not just at Care Credit providers. I told them explicitly that I did not want this, I did not ask for apply for this new card because I knew that opening up a new line would impact my credit. They said it was already sent in the mail and there was nothing that I could do about it, even though I stressed I did not apply for or want this card - and that they essentially opened up a new account in my name without my consent. They said that when the card arrived I could just cut it up and within 30 days they would deactivate it if I had n't used it. I have NEVER in my life heard at such an XXXX process and I have worked in compliance at XXXX XXXX. A month later ( by XX/XX/XXXX ) the card still had not arrived. I called the company back ( just this week, XX/XX/XXXX ) about this because I received numerous alerts from from my credit monitoring service that charges were being made from this new account that I did not apply for or open and in fact still did not receive a card for. I called the company again to complain about this deceptive practice and asked them to close all my accounts and flag the charges as fraudulent. At that time, it was {$1200.00} in fraudulent charges. As of today ( XX/XX/XXXX ), I logged into my credit monitoring service to see that the card is up to {$3100.00} in fraudulent charges even though I called over 48 hours ago to close this account. I have no idea what Synchrony Bank is doing but it seems that they are allowing identity theft to take place and are opening up accounts in customer names much like the XXXX XXXX scandal. Please investigate. I have worked very had to have a strong credit report and this incompetence can not be allowed to proceed.

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 12/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Told them on phone this was place of employment do not call this company number. Calls 3 times a day every day. This is logged on my XXXX phone. I am XXXX and asked for letters by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WV).
Issue: Trouble during payment process

Complaint: Altering of my original loan contract set up which is a sign contract that is being altered against my wishes with it 's biweekly payment with Ditech Financial LLC who purchased it from Green Tree who got it from other lenders! 

acc # XXXX with them The contract that Ditech purchased was set up with a biweekly contract which is now trying to be altered. If my thought is correct it is against the law to alter the signed contract of a loan. If you can show me how it is legal then I would appreciate the evidence. Also we went through this before when Green Tree had switched over. They did n't even offer biweekly but ended up honoring it in the end. Now Ditech says it is not what they will do any longer for it. Please advise quickly. Sorry for any errors or confusing statements, because I am still on a 1 hr+ call with them bouncing from department to department and no one has a clue why I was sent to them. " No one can handle the situation just mail a letter and hope we receive it to help '' Thank you in advance, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: BB & T processes debits to accounts before credits/deposits triggering unfair overdraft fees. This has gone on for years and they refuse to refund the fees.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. XXXX handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Prepaid card (Gift or merchant card) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Fees

Complaint: On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by TransUnion. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but TransUnion came back verified, how is this possible, when I sent each bureau the same information. I sent to TransUnion a copy of my police report and Identity theft report on  XXXX / XXXX /   2016  and also around  XXXX / XXXX / 2016 .

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2015 there was a direct deposit made by job of {$80.00} to my Rushcard account. That same day Rushcard made a duplicate deposit of {$80.00} and then made a duplicate reversal of {$160.00}. I contacted the company on XXXX separate occasions to explain why this transaction occurred and when can I expect to have my money returned to me. On each occasion I was placed on hold for more than an hour and despite promises to rectify my account the money has not been returned to me. The last representative I spoke to advised that he would take this matter straight to the corporate office to resolve and would send me an email confirmation of our conversation. This was on XXXX and I have not heard from anyone nor did I receive the email. I am very frustrated at this situation and the lack of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Customer service / Customer relations

Complaint: I applied for a Sams Club Master Card when I became a member. I was excepted and given a temp. card, and told I 'd receive a regular card in the mail 7-14 days. After waiting 23 days I called. It was prob about XXXX min before I was able to talk to someone instead of the computer. I explained I never received my card and they tell me it was sent out over XXXX wks ago. I told them to cancel it and send me a new XXXX cause I never received it. Everything seemed good ... ..I was wrong. This time I waited 15 days and nothing, so I called again. I asked if they sent my " XXXX '' card yet. ( After of course having to talk to the computer for XXXX min or more ). I was told that they had updated my address and a card was sent out a month ago. ( which would of been the XXXX card ). I explained that there was to be a XXXX ( new ) card sent because my first XXXX I never received and it was to be cancelled. I was then informed that they had not cancelled that first card and a XXXX was never sent. By this time I was so frustrated and worried now that the credit card that I was told " was '' cancelled was NOT and it 's out there somewhere! No wonder there is so much identity and credit fraud. Finally I told them to forget the whole thing and send me conf. that any credit card with them is cancelled. They have very poor customer service. When you call you have to talk to a computer for XXXX minutes and IF your lucky enough the computer does n't hang up on you it will then give you to a person. And now you have to start over with you problem / complaint. Beware of this credit card company!! Who wants a credit card company that you have to speak to a computer for several minutes answering question after question before getting a human to speak with ... .. NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (AL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

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 01/30/2018 about Debt collection (Other debt) with FIFTH THIRD FINANCIAL CORPORATION (FL).
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: I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.

Company response to consumer: Closed with explanation