milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have attached XXXX documents, XXXX is a police report in which the capital one secured credit cards were part of the report as they were stolen and XXXX witnesses informed me and my partner XXXX at the time, that indeed it was capital one credit cards that were stolen from us that were used without our knowledge. I have not once been out of view of CAPITAL ONE and tried to work with them as they also put all XXXX secured card in collections, even knowing about the idenity theft. If you look at other document it contains to of the XXXX accounts, all XXXX were not only part of the idenity theft but as you see that I made a huge payment of {$220.00} on XX/XX/2012 even though the cards were stolen and I could paid the {$50.00} liablity, I paid the whole thing. My credit line was {$400.00}, {$240.00} of that was a deposit of mine. My last purchase came in on XX/XX/XXXX of under {$4.00}. If you see here obviously I closed the card around a last payment and transaction and around idenity theft robbery. But with all XXXX cards 7 months later, EVEN AFTER last purchase posting was 7 months prior, the card remainded open yet 7 months with tons of interest rates and membership fees and weird transaction rebills and then all of a sudden I owe {$360.00} on a card that I have a {$400.00} limit, {$240.00} my deposit and I made a sizeable payment at end. So, it doesnt take a scientist to figure out, several upon several FCRA regulations were broken per card. And I tried to work with them but they refused to call me, and the sent my stuff to IRS which this needs to be handled, I am more than disgusted and I am fuming. This is disgusting, and this is whats even worse, on the document with account ending in card XXXX which was the prior one I discussed, you will see an account ending in XXXX. I am gon na leave this one brief and simple you see where it says capital one said to me that the account as not a secured card. First of all I had XXXX secured cards with them, due to robbery and identity theft issues, I only could get secured cards and the credit line was {$750.00}, CAPITAL ONE does not have a {$750.00} unsecured card. Not only that I put {$600.00} down on the card as a deposit, I have asked CAPITAL ONE to show me proof that it was not a secured card and they have refused to send any proof. This is a very serious situation and needs to be handled. I am have put well over 15 hours a week or more into all this since it happened in XX/XX/2012 with the robbery and every else that happened to be responsible, this could have been prevented and with the XXXX CAPITAL ONE has broken even more FCRA regulations then the other XXXX cards. I am disgusted and want my life back and CAPITAL ONE Needs grow up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?

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 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I came to this country all by myself years ago, because I really wanted to get an education. XXXX College was one of the few colleges that would accept me without a XXXX. 

They lied to me in so many ways, they told me I would be able to transfer my credits to any accredited college ( I knew I did n't want to stay in AZ ), quoted me a much lower tuition ( than what it ended up costing me ), promised to help find me a good job after graduation. 

I was working full time, and part time on weekends, plus going full time to college. 
And still I graduated as the XXXX of my class, such was my drive. Imagine my disappointment when all the jobs I was looking at started at {$7.00} and hour and even lower, some of these were recommended from the college to me. I could not survive on that and had to work in another field. Then when I tried to go back to school to further myself, I found out that my credits would not transfer, I was VERY disappointed and it really ended my dream of getting a master or more. I simply can not afford to take on more student loans. What added so much more stress to my life was that I had a co-signor and I was promised at the time I signed for the loans that if I pay 24 consecutive payments my co-signor would be removed, that never happened, I tried everything even paid an entire year ahead in full, still they would not remove her. This has put so much XXXX on my friend and our relationship. This school was a fraud from beginning to end.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (I do not know) with Clearview Resolution Services (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (DC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Credit reporting () with LEXISNEXIS (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for personal training. Because of inappropriate behavior and the company 's not being able to provide me with a trainer/missed workouts, I wanted to get out of my contract. I contacted the XXXX XXXX XXXX headquarters. They refused to let me out of the contract. I filed a XXXX complaint and the resolution was that I would have to do a 25 % buyout of my contract. I was then put in touch with an XXXX XXXX. I made the payment to him ( I have included a receipt ). I was then contacted by a company called AAC that started harassing me nonstop about owing them XXXX dollars which was more than what the contract was worth when I stopped working out! They have been sending me harassing emails, letters and phone calls about a phony XXXX dollar debt. They have also threatened my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with North Shore Agency, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is identifying itself as a debt collector in a letter mailed to us on XXXX. The letter stated that the company was collecting a debt of {$29.00} that they said we owed on an expired magazine subscription. We mailed them a dispute letter denying we owed the debt and demanding documentation to verify their debt claim. On XXXX we received a response from the company stating that they were stopping any further collection activity on us and closing their files. I suspect that this company is using false and deceptive practices to collect monies on expired magazine subscriptions under the guise of a threatening debt collection letter.

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 05/22/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (DC).
Issue: Managing the loan or lease

Complaint: Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Closing/Cancelling account

Complaint: I chose to close a secured credit card account with Capital One in XXXX. I was informed at the time that it would take 2 billing cycles before I would receive my deposit as they would need to apply any subsequent charges to the deposit balance. As of XXXX there was a balance remaining of {$150.00} and this has not changed as of today ( XXXX ). 
I attempted to contact Capital One to inquire about the status of my deposit and was transferred to two different departments before being given the same information ( about the 2 billing cycles ) and that there was no further information they could provide at thisi time. This is unacceptable and I am being given the runaround in hopes that I give up and leave my remaining balance with Capital One to do as they please.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Unable to have XXXX, XXXX, and TransUnion ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX Bank XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. 
Dispute : XXXX XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. Dispute : Data entry is not current/correct.

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 01/20/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received letterXX/XX/XXXX/18 indicating a debt on a XXXX account. Does not indicate XXXX account information, SSN, or any other details to validate the debt. I checked my XXXX account, and there is no problem as it is linked to my bank account. 

XXXX XXXX XXXX XXXX . 
Creditor : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CHASE  CARD POB  XXXX   XXXX , DE  XXXX   XXXX   XXXX / XXXX /   2017  VIA : Certified Mail #    XXXX    Re :   XXXX  CREDIT REPORT #  XXXX  INQUIRY  XXXX  .2017 CE  Consider this notice that you have  30 d ays to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a  Consumer and since Chase d id not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$2000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$2000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I paid this account through XXXX XXXX XXXX and there is still a balance being reported. Please remove this account from my credit report since I have disputed it before and it was verified as accurate.

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