milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clark County Collection Service (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I checked my credit report in XX/XX/XXXX when I saw a collection from Clark County Collection ( 10 NV ENERGY ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the Clark County Collection ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.

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 12/23/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

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 05/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (AZ).
Issue: Other transaction problem

Complaint: I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.

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 10/15/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have not ever had the last name of " XXXX '' that is my wife 's former husbands last name!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my social security #, but with a different name, in XXXX thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.

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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ND).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: To Whom It May Concern, Similar to the complaint I filed yesterday, Citibank has filed another interest charge for {$83.00}. That again was based on their faulty autopay system. I would n't be surprised if they have done that to other customers as well. This needs to be re-mediated immediately.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On   XXXX     I received a letter from the original creditor   XXXX   XXXX   stating that the following accounts  XXXX  and  XXXX  were both apart of fraudulent accounts and that they would be removed from my accounts. I was over joyed with excitement when I seen the accounts removed from my  credit score. But Portfolio Recovery  XXXX .  Is n't budging they I assume bought the debt from   XXXX   XXXX  . I sumbited the paper to the credit bureau to have all the accounts regarding those debts deleted.  One account    XXXX  is {$680.00} and  XXXX  {$700.00} as it shows on my credit report. I feel as if the original creditor found it fraudulent then I should n't be responsible for the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: In my previous complaint, I wrote that I disputed online with Experian on XX/XX/18. 
I had uploaded all my documentation and sent it on its merry way. I logged into my experain account today and tried to check on the status of this dispute. It was not showing. 
I than called Experian and they said that they have nothing from me from XX/XX/18. This is a XXXX! I know that it was upload and submitted, and now it is not there. XXXX said that it was a re dispute of another dispute and said that they will not dispute again. Well if she knew if was a re dispute than that proves that my dispute on XX/XX/18 was uploaded and she just blew Experian out of the water. I was not trying to dispute with the company again. I was asking for follow suit to the other credit bureaus and to remove this item from my Experian report. I sent in documentation to you, and Experian that XXXX  and XXXX deleted off credit reports. I was also told that Experian does do follow suits, but again that was a lie and I know this for a fact because they have done it for me 2 times in the last few months. 
Experian is a bunch of XXXX and they are not doing their job correctlty and lie about all sorts of things that are untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: See complaint  XXXX . Issue not resolved.  Ocwen omsbudsman kept referring to statements not present in Agreement  that was signed from GMAC. Today recieved same hard copy of letters of notice raising my interest iaw a step agreement. But nowhere in the agreement does it state that it is a step agreement, rather para.  4 sta tes a fixed rate for the life of the loan. Today the packet contains a letter that is a pre notice stating words to effect that  Ocwen i s trying to substantiate thier cause, it is dated  XXXX / XXXX /  XXXX  . I or my wife never recieved or had any knowledge of such a letter. This is the first time we have seen this letter, and it was never provided in any correspondence from Ocwen or GMAC prior to today. The letter is suspicious in nature in that there is no official letter head as in all other corespondence, Some of the writing is fuzzy and not of the same quality as in certain paragraphs and the ink in those paragraphs are definitely dark as to indicate that some one has super imposed writing over another letter. The letter is not signed by anyone. It just has a empty signature block stating  Loan Modification Specialist!  Any reference that this  XXXX  from GMAC is what appears to be a rubber ink stamp. I am giving Ocwen a chance to explain this obvious fraudulent letter. I will be forwarding all documents, especially this letter to appropriate Judical authorities for action! I ca n't believe that someone actually sent me this letter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (OK).
Issue: Making/receiving payments, sending money

Complaint: I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?

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