milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Taking out the loan or lease

Complaint: I applied and received a car loan from Santander Consumer USA XX/XX/XXXX. XX/XX/XXXX I was having trouble making payments due to child support problems and reached out to Santander for help and guidance. They led me to believe that payments could be deferred and added to the end of the loan. What I did not realize was that I was modified into a simple interest loan with a balloon payment at maturity. Still to this day I have actually not been explained this product by Santander. Someone who used to work for them described what happened to me from looking at my statements. I had every reason to believe that when asking for help, Santander would have worked in my best interest, instead of using my hardship for their gain. I feel I have been deceived and have no recourse to get out of this loan. I want to make sure this does not happen to another as well as have some resolution as to how they have the ability to restructure a loan without me signing new documents or fully understanding what I was agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. 
Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI 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 11/30/2017 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/XXXX they applied my monthly installment loan payment towards principal instead of my regular monthly payment. They keep phoning my mobile phone, my wife 's mobile phone, and my place of employment asking me why my payment is late and when am I going to send it in. I have repeatedly explained that I am not late and they always research and say " yes you are correct '' and that I will not be called again. But the calls have continued for the past 4 months and it is annoying and embarassing.

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 12/19/2016 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (MO).
Issue: Credit decision / Underwriting

Complaint: My XXXX and I were interested in obtaining a Home Equity Line of credit to make XXXX on our home. The lender told us there would be a 'drive by ' appraisal to assess the value of our home. The XXXX called me directly and asked me how much I paid for my house. I told him, thinking this was normal for this process. He assessed the property for {$30000.00} less than what it was assessed only XXXX XXXX years ago. The lender then informed me that we would have to pay off our original loan by a certain amount ( through the use of the HELOC ) in order for us to progress. I knew enough to not move forward with this, due to the fact that it was an adjustable rate and my existing home loan has a very low APR. I just want to be sure no one else falls victim to this scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

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 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Transaction issue

Complaint: Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: As I am a victim of Identity Theft/Fraud, I understand that as such, I am eligible for free updated reports twice a year. I recently submitted requests to the XXXX agencies, and EXPERIAN, even though in possession of my alert information, has denied me a copy of my report as requested. They are currently in violation of the laws placed to assist with my issue.

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 03-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.

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 02-02-2017 about Credit reporting () with NCC Business Services, Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.

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 11/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX-XX/XX/XXXXI went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the XXXX XXXX in XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as XXXX. I did NOT attend ANY school in XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a federal job. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Customer service / Customer relations

Complaint: I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion refuses to correct or to add the following comments to my credit 
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX.  No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.

Company response to consumer: Closed with explanation