milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Protection is reporting negatively on my account.

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
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: MRC : XXXX called me and stated they would garnish my paycheck for a debt I owed from XX/XX/2007. I called them back and said I would be willing to pay for a lower amount. They declined and said they would contact my human resources department. Not sure if they are but now I 'm worried.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or around XX/XX/18 I received notification from my credit monitoring that numerous inquires were being reported on my credit file. 

I had in fact visited a car lot and told them that I would be back with copies of my paycheck stubs and other items that they had requested. They advised me that they would not be able to run my application without this information. After leaving the dealership, I decided that now was not a good time for me to purchase a car. I contacted the sales person and advised them that I was no longer interested. The sales person maliciously ran hard inquires on my report numerous times without my permission. 


XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX Permissible Purpose : INSURANCE UNDERWRITING Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018

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 10-11-2015 about Debt collection (I do not know) with Reliant Capital Solutions, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Money was not available when promised

Complaint: On Monday  XXXX   XXXX ,   XXXX  , I initiated an " instant transfer from my  PayPal account to my commercial bank in the amount of {$6200.00}. I was informed that the transfer would take " up to one business day '' to complete. After two b usiness days on Wednesday,  XXXX   XXXX ,   XXXX  , the transaction was still listed as " pending ''  by PayPal. Some how, I was able to speak to a PayPal re presentative who had no explanation for the delay but assured me the transaction was in order and would be completed soon. Today, Thursday,  XXXX   XXXX ,   XXXX  , the transaction is listed as completed but my bank has no record of the transfer and the funds have not been credited to my account. A record ed PayPal message informed me that it may take three to four business days for the bank to process the transfer. PayPal has completely misrepresented their service, a service I will never use again.

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 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After paying off our mortgage we were due a refund and the mortgage company failed to give us our money. The company gave several excuses and hung up when we insisted on a response for our money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it  may  concern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX    2017  by certified mail in order to dispute information, in regards to   XXXX  h ard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX  2017    and they completed the request on   XXXX   XXXX  2017.  The request that I submitted included   XXXX   Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 12-06-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Faxed a QWR to Shellpoint on XX/XX/2016. I have not received a response on any of the loans that were included in the QWR request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.

Company response to consumer: Closed
Consumer complaint received 10/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am the borrower. I sent forms to Navient to update the bank account for monthly automatic draft payment from my bank, for XXXX different loan payments. I received a generic confirmation by mail that did n't show the date the payment would be drafted or much other information. Navient set up XXXX of the XXXX payments so that it would be drafted after the due date and they could charge me a late fee. The first month after the account was updated, I noticed the payment was n't drafted from my bank account so I logged into the Navient website to check on it. The Navient site confirms that the loan payment is set up for automatic payment which they call " Auto Pay. '' The payment was marked " Pending '' on the website. I have printouts of this from the website. There was no indication what day the automatic payment would be drafted from my bank. I immediately paid again by using Navient 's website to pull another draft from my bank, but Navient charged me a " late '' fee for that month and then drafted BOTH payments from my bank account. Navient has n't given me the option on how to apply the extra payment. Navient intentionally set up the automatic draft so that it would draft after the due date and they could scam a late fee from me. The payment that Navient decided to draft on time was the Federal consolidation loans. The payment that Navient decided to draft late was the private business education loan. Navient set up the call-in help line so that it is almost impossible to reach a person. Navient 's number disconnects callers after they have been going through the menus for minutes. If the caller ca n't find an option that describes their situation the call disconnects. If the caller takes too long ( per Navient ) the call disconnects. If the caller calls after work the call disconnects, because Navient closes the line outside daytime weekdays. Navient has done everything they can, short of disconnecting their phone altogether, to add on illegal fees and avoid talking to borrowers and avoid making corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Account opening, closing, or management

Complaint: I have bin into Wells Fargo XXXX separate times To try to close My Account And they have refused Me everytime. They run My High Amount bills First and then Low amounts they have overDrafted Me XXXX! times this way And now they are charging me XXXX $ Service Fees Monthly For a Judgment I have against ME. But that Fee IS Going Into The Banks Pocket And no towards My Debt. After Calling The BBB And About XXXX other Bureaus Getting the run around Again Another XXXX $ Pinged off my accout into the banks Pocket. 
That makes My Grand Total XXXX $ The Bank has just Put into there Pockets And still Refuse To Close My Account. But Still Continue To Charge Me XXXX $ A Month! I 'm Currently Hoping to Either Open a Lawsuite OR Just Have My Account CLOSED. please help! with these Thieving **** **** ***** I 'm At My Wits End With What TO DO and I 'm Tired of them Stealing My Money When I Have Repeatedly Told Them Over And OVER CLOSE MY ACCOUNT. Also Have Received An EMAIL Saying My Account Was CLOSED. YET! they still Take XXXX $ Monthly I am Currently - XXXX $ Account balance first time I tried to Close My Account I was only XXXX $ to wich I deposited Enough to cover My bills But They Hit ME with a XXXX $ Service Fee AGAIN. So all My Bills Overdrafted. They Never Gave Me Any Notice Or Talked to me about it They obviously Know I DONT HAVE THE MONEY. there my BANK. And they just continue to DIG MY HOLE Deeper And Deeper Refusing To Work With Me IN Any Way WHAT SO EVER!

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 02-10-2018 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (DE).
Issue: Applying for a mortgage

Complaint: I started a refinance/consolidation loan on XX/XX/2018, with Quicken Loans-Rocket Mortgage. The first loan representative, ( XXXX. ), told me I was approved from the very beginning of loan process. 
While completing the Title Search R.M. discovered a lien against my mortgage, which I was not aware of. From the advice of, ( XXXX. ), I followed up on this, received all the information and spoke with XXXX XXXX XXXX, Supervisor with XXXX XXXX, XXXX. I negotiated the amount of the pay off of this account from $ XXXX to {$13000.00}. Also, as requested a letter from XXXX XXXX, XXXX to Quicken Loans stating all the particulars of this agreement to remove the lien and agreed pay off amount was forwarded to Quicken Loans. 
***NOW I'M APPROVED! 
Several days later I received corresponded from another R.M. representative, XXXX, needing more documents from me, which I emailed right back in a timely manner. 
Several days later I received corresponded again from a third R.M. representative, XXXX, and she is stepping in for XXXX as she is our of the office. 
Several days later I received corresponded again from the 4th R.M. representative now taking over the loan process, who we'll name XXXX XXXX. 
I spent 3 weeks working with XXXX & XXXX ... complying with each and every request in a timely manner. 
My Point ... .I was Approved and then NOT APPROVED BACK AND FORTH 6 times. I even took cash I have set aside to pay 2 credit card balances down to {$10.00}, ( TO RAISE MY CREDIT SCORE UP ABOVE XXXX TO GET APPROVED AGAIN DURING RHIS WHOLE MISERABLE EXPERIENCE!!!

I WOULD NOT WISH THIS ON MY WORST ENEMY. PLEASE INVESTIGATE INTO THEIR PRACTICES ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: after typing in my personal information and requesting a free thaw on my XXXX credit report, I was asked to pay a feed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charge an Overdraft Fee on XXXX/XXXX/XXXX for a {$50.00} transaction while my current balance on XXXX/XXXX/XXXX was {$89.00} prior to disbursement, leaving an ending balance of {$39.00} after payment. 
There was a " Processing '' transaction from XXXX/XXXX/XXXX in the amount of {$51.00} that was unauthorized and remained pending over approximately 5 days - never to be presented by Merchant for payment because it was unauthorized and Merchant agreed. 
I discussed this matter with the Bank The Bank told me when the charge is " reversed '' then they will refund the Fee. I told them that it will never be presented for payment and therefore you will not see a reversal so I should not have been charged unless the device is presented for payment, where or not the Bank elects to pay 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 monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: Even with a FTC Identity Theft Report and a police report. Transunion will not delete these accounts. I was told they couldn't block it. I have done everything in my power and by the law to get these accounts removed.

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