milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Capital One sent a promotional email and to apply for a credit card on their website https//www.capitalone.com/credit-cards/get-my-card/ REFERENCE #  XXXX  ACCESS CODE #  XXXX  I applied and was approved on  XXXX   XXXX ,  2017 . Capital One issued my credit card and sent me a confirmation email on  XXXX   XXXX ,  2017  on  XXXX   XXXX ,  2017  I received the credit card in the mail with activation steps. When I called Capital One  XXXX  to activate Capital One said the account was closed and to reference case #  XXXX  and that they sent emails in error. Capital One has had a breach of some sort and personal information fraudulently handled.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with Credit Card Acquisitions Group (WI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.

Company response to consumer: Untimely response
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Every year around this time, Ocwen ca n't seem to get me my mortgage bill. Even after ( XXXX ) additional request for them to mail me another bill. On XX/XX/XXXX, I still had not received my mortgage bill ( due XX/XX/XXXX ) so I called Ocwen and requested another bill be mailed to me. On XX/XX/XXXX, I still had not received a mortgage bill so I called Ocwen again to request a XXXX bill be mailed to me. On the phone, I was also given the option to mail payment in with last months bill stub and I did exactly that. On XX/XX/XXXX, I received a bill that was printed on XX/XX/XXXX, 3 days after my original request. # Days to print another bill and 17 days in the mail? Still no original bill from Ocwen and I know that they will not process my check til after XX/XX/XXXX with a late fee. What a scam. I have perfect payment history and credit with all. How can this only happen with Ocwen every year. I refuse to give them my credit card or banking info so this is what they do. It is not fair and I feel that there is nothing that I can do about it. You ca n't even pick mortgage companies, they pick you!

Company response to consumer: Closed
Consumer complaint received 02-07-2017 about Debt collection (Medical) with Professional Finance Company, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid to check my credit report and also verified or compared my credit report through XXXX XXXX. On both ends shows an account as opened when it should be showing closed. I have submitted several disputes with Equifax to correct this issue but the account still remains open after Equifax stated the account is now closed. The first attempt was in XXXX XXXX, XXXX to start and have them correct this. Later I find it still open so on XXXX I filed another dispute with Equifax to have closed. I spent {$39.00} for a Credit Report through Equifax. On XXXX, I addressed this issue again. Spent another {$39.00} for a Credit Report. As of today XXXX, XXXX XXXX still shows an Open account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Billing disputes

Complaint: My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

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 03-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.

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 02/27/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.

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 09-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: ON XXXX 2016 XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERFORM TRUSTEE SALE ON BEHALF OF MY BENEFICIARY -LENDER WELLS FARGO BANK & MORTGAGE XXXX XXXX XXXX IN THE STATE OF XXXX IN THE FRONT OF JUDGE XXXX XXXX AT THE JUDICIAL BRANCH OF XXXX UNDER CASE # XXXX FOR PARCEL # XXXX ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THEY WERE REPRESENTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEN THEY SOLD IT IMMEDIATLY TO XXXX IN THE XXXX. THE ENTIRE SALE IS SCAM BETWEEN WELLS FARGO, XXXX & XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit history data was obtained illegally from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have several ongoing issues regarding my credit report that I am trying to resolve, including many incorrect account details. While attempting to log in to review these continuing mistakes on my report, Transunion has now denied me access to my report via their website. I have attempted logging my many times via their website and my login credentials to no avail. This is ridiculous, I should be able to have access to MY information to continue disputing mistakes and ensuring that my report is 100 % accurate and complete! 

I have attached a screenshot of the error message I receive after each failed attempt to login to dispute my ongoing mistakes.

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 04-06-2015 about Consumer Loan (Installment loan) with BARCLAYS BANK DELAWARE (GA).
Issue: Problems when you are unable to pay

Complaint: since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.

Company response to consumer: Closed with explanation