milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.

Company response to consumer: Closed
Consumer complaint received 12/22/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (LA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in  interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I  have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with SYNCHRONY FINANCIAL (TX).
Issue: Excessive fees

Complaint: I would like to consolidate my balance with synchrony bank. 
Walmart

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 12/28/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX a hippa debt validation letter was sent to the company to validate the debt not verify for the billed amount {$950.00} which was not validated by the company which they are in violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Fraud or scam

Complaint: Trying to purchase a radio from a person on XXXX and my contact is know not answering her text messages after receiving monies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: As of XX/XX/XXXX, my mortgage was transferred from XXXX XXXX ( " XXXX '' ) to Mr. Cooper ( " Cooper '' ) ( f/k/a Nationstar Mortgage ). Both XXXX and Cooper informed me that there would not be any changes to my account, including autopayment. That is, my mortgage with Cooper would be automatically paid on the same day as it would have with XXXX. My mortgage was always paid on the first of the month. However, when I logged onto XXXX 's website, it said that I would not have an autopayment until XX/XX/XXXX.  When I called, a representative was unable to tell me why this had happened, but said that I would not have to pay twice if I paid. When I attempted to pay online, it said that I was paying twice. However, no records of payment appear on either XXXX 's website or my checking account 's website. I am unable to pay my mortgage due to a glitch in XXXX 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.

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 04/25/2017 about Mortgage (VA mortgage) with GATEWAY MORTGAGE GROUP, LLC (AL).
Issue: Struggling to pay mortgage

Complaint: In  XXXX    XXXX  , I tendered payment-in-full as per UCC article  XXXX , to the mortgage servicer via  USPS certifi ed mail with return receipt green card. The valid negotiable instrument was dishonored by refusal, nonperformance, and not returned to me. In accordance with UCC  3-603 ( b   ) there was discharge. After numerous communications and legal Qualified Written Request, I was told that my mortgage was sold. The entity converted the mortgage into a  XXXX  to a company that is in conservatorship by the  US  Government.   In the telephone conversation with th e General Counsel  of the ( " originator '' ) servicer, I stated my claim to become the holder-due-course as per  Uniform Commercial Code.   The conversation ended stated that Non-full disclosure is considered  Fraud  in contract law, with make any contract void and a nullity at law.   The company attempted a wrongful foreclose on my mortgage on  XXXX    XXXX  , but the sale was cancelled. The advertised Sale stated that  XXXX  Gateway Mortgage Group  was the foreclosing party. During the litigation process for libe l ( slander )   XXXX  replied via answer to complaint, that they had nothing to do with to foreclosure trustee sale.  XXXX  inactivated my account. There is a fraudulent assignment recorded at my  local county r ecorders office that was sign by a  XXXX   XXXX ,   VP and Secretary   of  XXXX . The same Looking signature of a  XXXX   XXXX   XXXX  of Gateway Mortgage Group , LLC was the in the record from the previous cancellation and satisfaction of my first mortgage loan with the lender. Both signatures where notarized by employees of Gateway Mortgage Group , LLC.   This is constructive fraud and an attempt to defraud and unwitting accommodation party ( Borrower ). No beneficial interest is held by the loan servicing. Therefore, it does not have the RIGTHS of sale on a contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment. <P/> I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due. <P/> Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Unexpected or other fees

Complaint: I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your help!

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
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: Capital One did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. Capital One claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, Capital One did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NE).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. 

This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: I was  sent a wire transfer to my business account for my business services. Everything was cleared after 24 hours of being sent to me.     Bank o  f America had no complaints or issues from when it happened. On last week, my business account was frozen and eventually closed because of the wire transfer. I was n't responsible for the wire transfer at all. I am responsible for my personal funds that were in the account before the account was closed. Bank of America has n't released my funds, they have escalated my issue to a variety of different departments. In addition, i have had a variety of verifiable Bank of America representativ es.

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 01-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: APR or interest rate

Complaint: Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. 

After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. 

Further, they had promised to help resolve my issues before the next pay period. They of course did n't. 

When I called back after their account person, ( XXXX XXXX ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate XXXX with no option for a settlement since I had been paying for the last year attentively. 

My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Harris & Harris, Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account holder settled the final bill with XXXX XXXX XXXX XXXX in full last XXXX 2016. XXXX XXXX XXXX  erroneously kept on billing the account although the holder requested closure of the account in XXXX, 2016 and vacated premised. 
XXXX XXXX XXXX continued to bill the account for the premises not occupied by the account holder. Account holder does not recognized the validity of the debt and requested XXXX XXXX XXXX to validate it that has not been done. 
XXXX XXXX XXXX transferred the account to the collection entity Harris & Harris in XXXX in error as the collection entity was advised in writing to stop any communication in regards to that disputed erroneous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.

Company response to consumer: Closed with explanation