milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to PNC Bank. PNC Bank is still reporting this account that was a result of identity theft to XXXX. In addition, I received a letter from PNC Bank which I forwarded to XXXX which indicates that PNC was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with TIDEWATER FINANCE COMPANY, INC. (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: I am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Auto) with Consumer Asset Management (Texas) (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Collection agency rep ( XXXX XXXX ) contacted me by phone and was very aggressive and rude stating he was preparing to file a lawsuit against me and that my employer would be contacted and my wages garnished unless I paid them {$10000.00} immediately for a vehicle reposessed in 2005. XXXX XXXX also stated he would sue my wife and notify her employer as well. Was contacted by another agency rep ( XXXX XXXX ) who stated I had to pay {$10000.00} in 24 hours before my case was submitted to a court and that I would have my wages garnished and a lien placed on any tax returns and property. XXXX XXXX stated she could accept a lower payment of {$3500.00} but it would have to be sent to them within 24 hours. XXXX XXXX identified the agency as Consumer Asset and XXXX XXXX stated the name as XXXX XXXX. Both agencies have the same address and phone numbers. Both stated that letters had been sent to me via mail but I have not received any letters from either agency named describing a debt of {$10000.00}. Contacted a local attorney who advised me the agency was violating Federal and State laws concerning fair debt collection as the the debt was time bared and threatening to file a law suit was illegal and I should file a complaint with the FTC and the State Attorney.

Company response to consumer: Untimely response
Consumer complaint received 07/26/2016 about Credit card () with U.S. BANCORP (NC).
Issue: Customer service / Customer relations

Complaint: Elan Financial Services has recently taken over servicing my Credit Card from XXXX. In conjunction with the takeover, they have mistakenly blocked valid transactions due to suspected Fraud, they have limited the ability for me to see transaction history on-line, and they have reduced my reward earning.

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 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Experian by certified mail on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to verify the information they were reporting on XXXX XXXX XXXX acct XXXX. They still have not provided me with any verification. I also contacted XXXX and XXXX who both have removed this account from my credit.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of 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 11/16/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.

Company response to consumer: Closed
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , credit unlimited requested on my behalf that Bank of America remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by Bank of America when I was trying to short sale the property that the lien was attached to. Bank of America could never find the account.      XXXX  removed the account.  XXXX  updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred  XXXX   XXXX  that the original lien was attached to.     2. I do not own any property for Bank of America to foreclose on.
3  . This loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with RSI Enterprises, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.

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 02/28/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Left Job due to personal reason, mortgage loan was paid until then to XXXX which set up bi-weekly payments to be drafted from my account. MidLand Mortgage is now trying to foreclose on my property without showing me a valid international contract between them and myself.

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 01/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently. 
Chase then sold the debt to XXXX XXXX who then posted an additional collection item on my credit report. The CFPB assisted me in haviing XXXX XXXX remove both their false information and the erroneous claim by Chase from my XXXX and XXXX XXXX histories, however XXXX continues to show the Chase Card Claim on my report. 
I have informed XXXX several times by mail and on their website, that this account does not belong to me and they continue to report it. I have written to Chase Card demanding proof of this debt as I know this account was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: information is gathered since age of XXXX, in case of youngns less than that to record, gps trace, listen in etc.. including gathering of emails and phone numbers which are protected under the 4th ammendment and recently ruled on. 

If the police cant intercept nor can they fake a cell tower, then how in XXXX does these companies think that the american consumer is for sale? 

I dont care how you got the info. The fact that you posses it in the first place is a violation of law. We wouldnt want the XXXX to hear abt this ... would we? 

Once a charge is disputed ( and i always demand it in writing ) the corporation must then NOT call the consumer.multiple times they persist and call anyways. The FCC has ruled that this is illegal and fineable at XXXX per occurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX and cancelled my service in early XX/XX/XXXX They did not cancel my service until late XX/XX/XXXX when I called because I received another bill. I went with XXXX on XX/XX/XXXX and cancelled the same day With XXXX. I have desputed it with them on several occasions. They have sent to several collection agencies and each time I have proven I did not owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Progressive Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine.

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