milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: 1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the " VIN '' number of the vehicle i was interested in and finalize the sale. 

4. As required by capital ones process and " navigator '' system i entered the " VIN '' into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached " XXXX capital one approval '' email. 

5.The dealer XXXX XXXX was listed on capital ones website as a " preferred dealer '', however XXXX ford did verify my capital one approval etc however they was n't listed on capital one 's end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 

6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 

7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle " was commercial " and also " they dont finance vehicles over XXXX passengers '' to note, the vehicle was " approved '' by their " navigator '' system by giving me the rate and terms it did not state on the system that the vehicle was n't approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n't finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 

8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX, FL 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 12/18/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it 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 12/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EVERYTIME THAT I TRY TO GET MY FREE CREDIT REPORT AND IT ASKING ME QUESTIONS THAT IS ON MY CREDIT THAT I HAVE NOT HAD MY HANDS IN INCLUDING ACCOUNTS AND LOANS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XX/XX/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 06/30/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Applied for a capital one card with a promo code. I applied AND WAS APPROVED for a platinum card for  XXXX . I was given access thru the wallet. 3 days later. Acct restricted cause the code was sent and used to thousands of other. So accts were restricted. They sent out the card. Cant use it now its closed and was told there was nothing that can be done. Not all who uses this code was approved. Not sure how its considered. I used my social. My dob. My info and a hit to my credit and was just told oh well..

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company purchsed unverified and or fraudulent debt for collection with no valid contract or means of validation which is in violation of FDCPA, FCRA and Consumer protection Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (IN).
Issue: Managing the loan or lease

Complaint: I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MO).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Company was sent a Debt Validation letter via certified mail

Company response to consumer: Closed with explanation