milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Payoff process

Complaint: My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with DISCOVER BANK (NV).
Issue: Rewards

Complaint: In XXXX, 2015, I began corresponding with Discover card services, through their online messaging center, about rebates I did not get for products purchased through their site forwarded to XXXX to get the rebate promised by Discover. I followed all of their protocols and there is NO way for a consumer to know if the rebates were paid for any specific item. There was a list of at least XXXX items I did not receive a rebate for. After my thoroughly documenting all the purchases, dates, numbers etc., they are still contesting many of them, and others they said 'were paid ' but I have no way of knowing what item it was. I feel they are not paying on the rebates legitimately earned.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (UT).
Issue: Managing the loan or lease

Complaint: I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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  2016  I  XXXX   XXXX  notified  XXXX , TRANSUNION, and   XXXX   they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.

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 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with J J Marshall & Associates, Inc (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received services from this company in XXXX for an extraction. I was never made aware of a bill that I had with them. My phone number or address has not changed since my visit. Today I receive an alert that they have placed a derogatory mark on my credit file. I contacted them immediately and did not get anywhere. Since XXXX I have filed bankruptcy in addition to having it discharged in XXXX XXXX. This debt should not be reflecting on my credit report. Such horrible service and business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with SCA Collections, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: After having an account with Chase Bank for 15 years ( checking, savings, auto loan and credit card ) Chase Bank puts a hold on all of our accounts without notice or warning. When we called to find out why, we were told that " in order to keep you safe we need to verify your identity with the Social Security XXXX before we can release any funds ''. They said my husband had to go into a branch to fill out a form in order to have access to our funds. I explained that my husband 's paycheck would be direct deposited that night and we were scheduled to close on a house at XXXX the following day. I requested they release the hold on our joint account as my identity was not " in question '' They refused and stated if he did n't come in, the account would be closed in 10 business days and all account balances would be mailed to us. They held our funds to verify his identity but if they could n't, they would close our accounts and mail our money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ). 

I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX. 

The XXXX charge dropped off. 

They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending. 

My question to them is why had n't they done anything in the intervening 3 days? 

I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen. 

I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account. 

To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done. 

To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: Effective XX/XX/XXXX i was sent an escrow analysis stating that i have a XXXX, XXXX dollars escrow shortage, and that my city taxes were raised now from XXXX dollars monthly to XXXX dollars monthly, bringing my monthly mortgage payment to XXXX, XXXX. XXXX. I was originally paying XXXX dollars monthly. My township stated tht my mortage lender only paidapproximately 7000 dollars in taxes for XX/XX/XXXX. However my bank is saying that they paid them approximately11,000 dollars for XX/XX/XXXXresulting in me having to pay this. I can not afford my mortage payments anymore because my escow was so severly mismanaged. Iam the only tenant in my building whose taxes were raised.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX 2002, I applied for a loan and was approved for a loan with Wells Fargo Financial, but i decided to decline the loan.

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 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Transaction issue

Complaint: In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.

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 04/27/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , FL  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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: An account was placed under my name erroneously. Since then, BARCLAYS BANK has damaged my name, and my credit file. Has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK mistake. Please remove the following information from credit report. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report and Police report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. <P/>BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE, XXXX XXXX RE : Account # XXXX FTC report Number 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information ( including social security number, DOB, name, and more ) were affected and exposed by the recent hack on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I signed up for the Wells Fargo optional Identity Theft Protection program earlier this year. It is a {$12.00} a month fee add-on product and service for credit monitoring, identity theft, and XXXX insurance. 
I called in XX/XX/XXXX to get rid of the product, the customer service agent assured me that the product was taken off and that I will not be charged for XX/XX/XXXX. XX/XX/XXXX came along and I received another {$12.00} fee, I went into the branch to dispute the charge the branch told me that they could not reverse the fee, but that I will not be charged in XX/XX/XXXX. XX/XX/XXXX came and again I received the same fee, this time I called customer service again they told me to go to the branch and the branch told me they could not do anything about the {$12.00} fee. We are now in XX/XX/XXXX and I still have the same {$12.00} fee. 
It has been six months from my initial communication with Wells Fargo and five months have past incurring the {$12.00} fee. That is a total of {$64.00}.

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 05-08-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: FURNISHED NEGATIVE REPORTS TO MY CREDIT PROFILE WITH OUT WRITTEN VIOLATING FDCPA PROVISIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with Bank of America XX/XX/XXXX. I fell into hardship around XX/XX/XXXX however I still continued to make payments until I got a modification of my loan XX/XX/XXXX. While I was making payments and the loan modification was being processed Bank of America sent my loan to a attorney for foreclosure. It seems as I was making payments, Bank of America was sending my payments to a suspense account and were not applying the funds correctly making it seem as though I was late. The foreclosure was dropped after having to speak to a Bank of America district manager and him researching and clearing the foreclosure. Now I am being serviced by XXXX and they keep stating that I owe fees for the attorney and foreclosure when it never should have gone to them in the first place. I have tried over the years with no success to get this removed from my current loan and I keep getting no where. I have spent countless hours and stressed in so many ways and have been defeated. Please assist. I have my transaction history from that time showing where the funds were in the partial balance the whole time and I have the notices for Bank of America 's intent to accelerate from XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation