milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (MO).
Issue: Taking out the loan or lease

Complaint: Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Debt collection (Private student loan debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Keep receiving letters from them saying I owe a loan from Citibank which wad paid in full in   XXXX   loan for school. I called  Citibank  and was told I owe them nothing. Their student loans were sold to another company which I called as well.     W hen you call Credit Control, there 's several numbers, no one answers, just voicemail. They buy debt that is closed, ghost debt and expect consumers to j ust pay with no proof until asked, that is, if they can provide.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you

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 10-05-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: APR or interest rate

Complaint: I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The " account open '' dates on several reports are incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XX/XX/XXXX the credit card was used to post a fraud check, from where I have no idea. Then once paid they began to charge it back up. The check seemed to clear prior to it being ran up again. 

I do n't remember exactly when they told me that a check from a payment bounced, i 'm sure it was not just a few days, more like a month or so later. I know it only takes a few days to a week for a check to clear and the person that cashes it would know if it did bounce. 

Once it " bounced '' they cut off ALL my credit cards, which put me into a bit of a financial problem. I need to use the cards because my pay for my jobs was delayed for more than 30 days often. 
I had 3 cards with them and if there was a problem with one account it should not have effected the others. I kept telling them I did n't do those things. They said it did n't matter. I just kept trying to pay them, some time with a late charge but ot 30 days late.

XX/XX/XXXX they posted the " bad '' check back onto my account and I called them and they said they opened a fraud case, but never got back to me. I tried calling them several times. I finally gave up and opened a case with the BBB, Capital one came back and said they would not doing anything about my issue. which is why I 'm reaching out to you. I have a log of activity, the BBB compliant info. I will provide you with everything I have. 

I have since XXXX-XXXX only making partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Account opening, closing, or management

Complaint: I had an item that I wanted to sell and I used the services that ebay provided. Ebay directed me to set up an account with Paypal so that I would be able to receive payment when the item sold. I accessed Paypal through the ebay page and began to register my bank accounting and personal information. While going through the application process they asked me to verify the small deposit ( s ) that was credited to my bank account as a way of verifying my identity. Paypal also sent me an email stating that they needed to verify my email address as well. 
In checking my email I noticed several e-mails from Paypal. One of which was an application saying that I was denied credit from Paypal. I immediately said " what? '' outloud because I was n't applying for credit but entered in personal/ banking information so that I would be able to receive payments if I sold the item on ebay. I did n't knowingly or intentionally, for that matter, want a credit account with Paypal. In fact I was not even aware Paypal offered credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The information being used by Equifax to develop their Knowledge Based Authentication XXXX KBA XXXX questions is incorrect and does not allow me to correctly answer the questions and keeps me from initiating online disputes or requesting a free credit report. This incorrect information was also used to keep me from applying for XXXX Membership. I called Equifax to find out how to fix it and was transferred to XXXX people ; the XXXX woman that I was transferred to was extremely rude and laughed at me, and then refused to allow me to speak to a supervisor. I am exasperated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2016 about Mortgage (VA mortgage) with iFreedom Direct Corporation (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with EOS Holdings, Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I made two payments to my accounts. 

1. On XXXX/XXXX/XXXX I made a {$700.00} payment to my reserved line 2. On XXXX/XXXX/XXXX I made a {$1000.00} payment to my credit card Neither of these payments have been applied to my account. The company refused to rectify this situation and now I am out of {$1700.00}. I need help solving this. I have tried to contact the company to ask about my payment and they refuse to provide me with any information. There is something fraudulent going on with my account. I never asked the company to transfer payments from one account to the other. This is a fraudulent situation. Someone has taken my payments and misapplied my payments and reversed it off my account. So where is my {$1700.00}?

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 06-09-2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: We deposited {$510.00} ( cash and check ) into a BB & T business checking account on XXXX XXXX, 2016 and have a copy of the receipt showing this - teller, as usual, counted the deposit as it was being made. Several days later, we received an 'account adjustment letter ' noting that the deposit was short by {$20.00} and that the funds had been withdrawn from the account as a result. I have been trying since XXXX XXXX to resolve this, with both the branch and BB & T, with no success. I did learn on XXXX XXXX that while we deposited {$430.00} cash and {$78.00} check, the teller showed it as {$410.00} cash and {$98.00} check - as there were clearly XXXX mistakes made by the teller in her paperwork, we feel it is clear that we are owed {$20.00}

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 06/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Bank of America and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own 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 with explanation
Consumer complaint received 11-08-2017 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: The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 03/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!

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 01-02-2018 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.

Company response to consumer: Untimely response
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation