milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: I opened a secured credit card up wit Capital One back in XX/XX/2015. Prior to submitting my application, the description for the credit card stated that it was a secured card and after excellent payment history and never being late on the card, I would get back my {$200.00} security deposit. This was one of the reasons I went ahead and applied for the card. Now, I do understand that I had a card previously with the company which I unfortunately had to default on but that is beyond the point of this one. I have continuously tried to contact Capital One to get back my money after making excellent payments and never being late. I have always been told that that offer was no longer offered on my card and that the only way to get my money back was to close the card. That is not what I want to do. I wish to keep my card. I feel like I was defrauded by Capital One and was given false pretenses. Not one time did I ever receive any information to state that my card was not eligible for a refund. They even gave a one time only credit limit increase while after I had my card for about a year and a half. I feel like I should get my money back. The information on their website in reference to the secured credit cards still have the same information that you can get your security deposit back. I just want my money back as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I opened a TD bank checking account and received a one time {$150.00} bonus last XXXX. Now it 's the time to file income tax. TD bank did n't send me a XXXX form. I contacted TD bank to request XXXX and they refused to issue me the XXXX form. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with Credit Systems International, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Systems International out of Texas has the date of first delinquency of an old utility bill from XXXX XXXX of ours wrong. They it as XXXX when it is actually XXXX. I knew this had to be wrong since we moved from XXXX XXXX in XXXX of XXXX. I got a copy of the bill from the original creditor, XXXX of XXXX XXXX, and sent it to them to have them take it off my credit report since it should have fallen off in XXXX. They said XXXX was when it came to their office so that was the date they were using. I told them they had to use the date of first delinquency from the original debt and they said they could use whatever date they wanted and said that if I paid it now, they would delete it from my credit report, but otherwise it was staying on there.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: A few months ago, I file a complaint against Capital One Credit Card regarding XXXX fraud alert letters I received from its Fraud Department. 
I had been instructed to send a copy of a state identification card, social security card and proof of street address. Before sending the same, I verified the validity of the three letters. On XXXX XXXX, 2016, I faxed the requested document to the number provided by Capital One. To date, the company still claims that it has not received the same. I, in turn, notified all XXXX major credit bureaus regarding the fraud alert. I received a reply for XXXX which stated Capital One had frozen all XXXX accounts because I had exceeded my limit on XXXX and failed to make the XXXX XXXX payment on time. As a result, my credit score was dropped to XXXX. When I contacted Capital One, I told the Fraud Department representative that based on the letters from CO, the accounts were frozen because of alleged fraud. As well, I had to verify my identification with CO, yet, it allowed someone to open a XXXX account under the pretext that the person was me. 
Last week, I contacted CO about a payment on XXXX of the legitimate accounts and I was reprimanded for failing to provide requested documents verifying my ID. I explained to the representative that I failed to understand how CO protect my identity when it allowed someone to open a XXXX card. 
I was told that the account had been closed and removed from my credit report. 
CO never notified me of the same, nor, as it claims, was CO able to verify identity. I never received any notice ( letter, email, or telephone ) clearing the Journey account and I need to know what CO is doing to resolve this matter. As present, CO is damaging my ability to apply for credit or a loan. I need CO to resolve this matter quickly and amicably. 
As for the purported late payment, I obtained a receipt from my bank indicating that the payment was paid on time on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Closing on a mortgage

Complaint: I refinanced with Quicken Loans in XX/XX/2014. The reason I refinanced was to remove my husbands name from the deed of my home. I was thinking about filing for divorce as it was discovered my husband had cheated on me, but was still unsure. Quicken Loans told me that the easiest and fastest way to remove the name is refinance and they will have the other party sign a Removal Request form during the closing. They stated that this is something they do all the time and it shouldn't be a problem. They informed us that the documents that needed to be signed by my husband would be included in the closing documents that the notary person they were sending to the home would have at closing. My husband was present at the closing and explained every detail. Before signing the document he asked the notary that was sent to the home by Quicken Loans to confirm again that the document provided by Quicken Loans would remove him from the deed the notary confirmed with us both that yes he would be removed. My husband signed the document and was provided a copy of the closing documents which included the form for his records. Fast forward 3 years later after speaking with my lawyer regarding a different matter it was discovered that my husband was never removed from the deed, which was supposed to be done by Quicken Loans. He is now deceased and they are telling me its nothing that they can do. I have the signed document that was notarized during closing with the request to be removed from the deed. They are telling me they are sorry for the issue, but not doing anything about it. I had a 20 year mortgage with 18 years left before the refinance so why would I go to a 30 year mortgage, roll over {$5000.00} closing cost into the mortgage for a {$100.00} cheaper note? I asked the Quicken Loans Rep why would I refinance for nothing? The signed document provided by Quicken Loans states what was supposed to be done. The Quicken Loans Rep couldn't answer the question. We were misled by Quicken Loans and told anything just to get the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with BB&T CORPORATION (MO).
Issue: Problems caused by my funds being low

Complaint: We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.

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 06-10-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Robocalls from " Transworld Systems Incorporated '', asking me to call XXXX for XXXX XXXX. It 's a phone answering service, nobody ever picks up, and I ca n't get any information on whom they are trying to contact or what the debt might be. And they keep calling multiple times a day. 
I 'm pretty sure I do n't have any outstanding debts - but these idiots keep calling, and not responding to messages left on their service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: clearing out of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Mortgage (Other type of mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (KY).
Issue: Struggling to pay mortgage

Complaint: 11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy

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 06-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Collection Professionals, Inc (Wyoming) (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid but it has not been updated as paid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (VA mortgage) with GMFS, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Student Aid Experts (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Initial contact between Students Aid Experts and I were initiated upon their attempt to reach me via phone in XX/XX/XXXX. They claimed that they had reason to believe my loans were eligible for student loan  forgiveness and I had to enroll immediately to assure my approval due to shortage of funds available to borrowers interested in the program. The conversation persisted as the representative asked for my FSA ID and PIN. I cooperated with their request in order to move forward with the application process. Toward the end of the call I was transferred to a financial specialist, XXXX XXXX, who went over the terms of the agreement with me and the specifics of the enrollment process. After going over some details of the process and being promised forgiveness and a specific monthly payment amount ( upon process completion ), it was to my understanding that this company would be responsible for my loans and handling them in the forgiveness program. The agreement was for us ( as clients ) to pay three monthly installments of {$230.00} for my loans and three monthly installments of {$230.00} for my husbands loans starting XX/XX/XXXX. In regards to the installments I agreed to pay, I was under the impression, due to the information relayed to me on the phone, that it would be going towards my loans and I was unaware of their intentions to keep the funds as a document preparation fee. About 2 months after I signed the contract with Student Aid Experts, I was sent a packet of papers from XXXX XXXX XXXX and I was notified that they would be the new servicer for my loans. I had contacted XXXX XXXX XXXX via phone to clarify some details regarding my enrollment in their system. I had asked about the payments I was making too Student Aid Experts and XXXX  XXXX XXXX denied knowledge of them but proceeded to warn me of a common scam that seemed to identify with my situation. I then called my bank in efforts to stop further payments being made to XXXX XXXX XXXX and filed a dispute in attempts to get my money back. A temporary credit was issued by my bank to my account and was told that there would be launching an investigation and it would take 30-45 days. About a week ago, I received a packet of papers in the mail from my bank stating that the temporary credit of {$1100.00} was going to be reversed on XX/XX/XXXX. Because of the misleading information given to me by Student Aid Experts and the money I paid to them for services that I later learned could be attained for free, I am looking to further this dispute as I would like a full refund from Students Aid Experts upon learning that I was a victim of their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 2 account showing on my Experian credit report that should not be on it. The first is an fraudulent account that was settled with the XXXX and written off. XXXX agreed to remove account. I sent proper documentation to all 3 credit beuros, the other 2 deleted the accounts but Experian refuses to delete or investigate account. Just keep stating that account is verified and refuses to send me info on who or what investigation took place and there documentation. The other account is a collection that should have never been sent to collection from medical from when I was hurt at work. Insurance and workers comp paid and reimbursed all bill, I sent documentation to Experian but they refuse to delete or reinvestigate.

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 09/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.

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