milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with capital one. I have informed XXXX but they do n't return calls

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: payment not late, creditor calls XXXX a day starting at XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Making/receiving payments, sending money

Complaint: Recently, I did online shopping with XXXX and ordered for a smart watch. XXXX XXXX : XXXX + Insurance : XXXX XXXX + Fast Freight : XXXX XXXX ; Total amount payed : XXXX XXXX. I was asked to buy this single smart watch by a trading company in XXXX. This single watch should be a sample for the company so that the company can examine it whether it has marketable features for XXXX market. I am a XXXX XXXX and not a trader. I only wanted to do this because they asked me to do it. I paid for the watch through PayPal with the instructions that I need the watch to arrive within ten ( 10 ) days. However, when I observed that the order has not shipped after seven days, I canceled the ordered and requested for a prompt refund of XXXX. XXXX was added to compensate for wasted time and financial loss on my side for placing this order. 
XXXX replied that they have paid the requested refund. PayPal also confirmed it but it has not reflected on my Bank account statement. I need all the money I can raise to do this business. Please, do ask PayPal to pay my refund immediately. If they delay, I will ask for more compensation. Also, I have tried to communicate this issue with PayPal, but they always reply to their message centre where they have deliberately designed so that I will not be able to read the whole message. I asked that PayPal should henceforth send messages to my email, but they will not comply. How am I going to read the messages? Please, ask that PayPal should comply and send messages to my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Payday loan, title loan, or personal loan (Installment loan) with Argon Credit (UT).
Issue: Problem when making payments

Complaint: I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX I got an email stating that Argon was going to deduct a payment from my bank account. I IMMEDIATELY replied letting them know I had filed bankruptcy. They responded asking for the specifics at XXXX on XX/XX/XXXX and I sent the requested information on XX/XX/XXXX at XXXX. They still debited my account on XX/XX/XXXX. I let them know that and they promised a refund and said it would be processed " within 24 hours ''. It is now over 2 weeks later and I still have no refund.

Company response to consumer: Untimely response
Consumer complaint received 07-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Customer service / Customer relations

Complaint: I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Ordered another credit card for an employee. US Bank opened a new account and used a 10 year old address. Found out the card was turned over to collection over {$160.00} and got it paid and resolved. Was promised this was not reported to the credit reporting and it was. So a couple weeks later when trying to buy a company car US Bank refused to issue the loan and refused to acknowledge their mistake and the fact that XXXX XXXX lied to me about the credit reporting. They then offered me a much higher intrest rate on my car loan claiming it was due to the {$160.00}. issue they created. I have wasted hours and hours of my time and am paying more for the car because of the credit report. US Bank offered me {$75.00} statement credit and that is why I am filing this complaint. They also told me I need to write a letter to get the credit report fixed. I pass a few XXXX dollars a year through their bank between business I own and personal. 
This is who I dealt with last and refused to be helpful beyond {$75.00} XXXX XXXX XXXX XXXX XXXX U.S. Bancorp XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX | XXXX | www.usbank.com

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 09-08-2017 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hi, My name is XXXX i was contacted by a company called Accelerated Financial Solutions on XX/XX/XXXX. Please see link to their website http : //www.acceleratedfinancial.net/ They called me from phone number XXXX XXXX XXXX.
They claimed that i had an outstanding debt to XXXX  for {$260.00}. They claimed i opened the account in XX/XX/XXXX. In XX/XX/XXXXi was XXXX. I asked for info regarding the alleged debt such as the account number, where the account was opened. They were not able to provide me with any info other than i owed them money. I have never had an account with XXXX. I reached out to XXXX to see if there was ever an account opened with my social and XXXX fraud department told me they have no account in their system with my social. I feel like Accelerated Financial Solutions was trying to scam me. After speaking with the XXXX fraud department I called AFS back and advised what XXXX had told me. The woman is spoke with was rather hostile as i asked for me info on this matter. The woman at AFS claimed that XXXX does n't keep their customer account data forever and that is why XXXX had no record of the alleged debt/account. I told them i felt like was being scammed and I do admit i was not very nice and used some not very nice words. I asked for them to mail me all the possible info on this alleged debt. They claimed they would only send me a one page document with a letterhead claimed the account would be closed.. At the end of the call the woman i spoke with claimed that it was identity theft and due to the account being opened in XX/XX/XXXX( when i was XXXX ) that the matter was closed and that i did n't owe them any money. I am not sure if you all are the right people to reach out to regarding this matter but i truly feel as these people were trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My son received a letter from XXXX XXXX denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to Trans Union and the Better Business Bureau. I also called Trans Union at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to www.transunion.comXXXX, but because my son is a XXXX, this application was discarded. My child is a XXXX and information on the credit card application was incorrect, but I am unable to contact Trans Union to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with Forster, Garbus and Garbus (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received numerous calls from a company called Foster, Garbus and Garbu looking for a XXXX XXXX XXXX spelling? XXXX. Unfortunately I did n't record all dates. The phone calls have been coming for approx. 4+ months. On approx. XXXX XXXX, 2015 I called and explained that I do not know this person and please remove my number from their account. I did not receive any phone calls until XXXX XXXX Received XXXX calls XXXX XXXX, XXXX and XXXX XXXX on approx. XXXX I again called to explain I do not know this person and to remove my number. I did not receive any calls until XXXX ( received XXXX calls XXXX, XXXX and on XXXX ) on XXXX I had talk to someone and once again told them I do not know this person and remove my number. I again received a phone call on XXXX. On XXXX i called and talked to a XXXX XXXX. I explained my situation and he told me there can be several different accounts tied to XXXX name. I then asked to talk to a supervisor and was transferred to a voice mailbox of someone named XXXX. I left a message with my name and phone number and explained my situation. that was approx. 2 hours ago and I have not received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than 5 complaints against Scottrade trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?

Company response to consumer: Closed
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I saw in the news the other day that the CFPB is compiling a list of complaints against banks and presenting the information to Congress. Approx. XXXX years ago I filed a complaint with you regarding the mishandling of my mortgage by Bank of America. The complaint is on file and you requested BofA to respond to my letter. They basically sent a form letter after their " investigation '' and said the matter was closed. They did not indicate what efforts they went thru or if they talked with the employees I quoted in my complaint. There were numerous other similar complaints on google when searched. Basically, BofA worked in bad faith and strong armed my situation. The stories on the internet even stated they paid employees incentives to get mortgages foreclosed. Basically, I was behind due to losing my XXXX because my bank, XXXX XXXX failed and was taken over by the FDIC. I was forced to sell my business in the middle of the banking crises to pay off my business loans. Then while negotiating with BofA they called me to inform me that my mortgage was foreclosed on and I had XXXX days to move out. They offered me {$5000.00} to leave my home in good and clean condition which I did. Then after I moved out they said I did n't qualify for the incentive. So I lost all my equity ( approx. {$250000.00} ), my credit is ruined, housing values fell in the immediate area and so did real estate taxes. All because BofA just wanted to clean up their mess. I believe there are many more people in my situation and are basically helpless against the giant bank. It sure seems like corruption and racketeering on the highest level. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with I.C. System, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This agency has 33 items listed on my XXXX credit file IC SYSTEMS which is CRAZY and I DO NOT OWE. I want ALL of them removed. This is violation of my rights 29 items all stating I owe {$59.00} which I DO NOT 4 items all stating I owe them {$150.00} which I DO NOT

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 01/20/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. 
The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. 

I do not get paid until my job is completed and the client is satisfied. 

Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. 

My clients have been forced to pay higher rates to process payments to me. 


This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation