milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Rewards

Complaint: I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.

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 05-06-2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CREDIT COLLECTIONS USA ACCT NUMBER  XXXX   XXXX   XXXX   XXXX  ORIGINAL CREDITOR   XXXX    XXXX   XXXX  I HAVE REPEATEDLY MADE REQUESTS FOR WHAT AND WHO IS THIS FOR. NO INFO AVAILABLE. XXXX   2012 ? DISPUTED THRU  XXXX  AND  XXXX . STILL NO EXPLANATION. NO IDEA WHAT THIS IS. NO RESPONSE FROM ANYONE. WHAT THE  XXXX ?

Company response to consumer: Untimely response
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Payday loan debt) with Premier Portfolio Group (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have received threatening phone calls stating that legal action will be taken against me. I have no idea what payday loan the Rep is referring to, I have n't applied for such a loan in several years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Credit card debt) with Palm Beach Credit Adjustors, Inc (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to Focus and XXXX XXXX to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XX/XX/XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I was unhappy with Chase Bank that someone did not come and pick up me bringing to Chase Bank at XXXX XXXX XXXX last few days ago. I told you for many times that I can not alone filled out applicants on Chase Bank because of they will declined my checking/debit/credit.. I did not get bonus money {$750.00} for Chase Bank that I had many horrible disappointed that I did not get {$750.00}. I can not using telephone & videophone call Chase Bank. I ca n't accept making a call Chase Bank and i do not want fill out online applicant, so I want a live person meets with me into applying Chase Bank online while escort care team work what I want meeting with male in highest position as what I wanted in XXXX, XXXX as Chase Bank did not bring me to XXXX, XXXX or other location, that I need getting out of town immediate action as I need someone gets acquaint with me in horrible complaints since 1990 to presents. Tell Chase Bank that I was not happy with XXXX XXXX XXXX issues. Please show sad icons on check from XXXX XXXX XXXX released notification to Speaker XXXX XXXX when Chase Bank male official with Chase Bank takes my XXXX XXXX XXXX check with sad icons to XXXX at formal charging requests forward to XXXX XXXX XXXX and others. show Psychologist doctor takes look at what wrong with meet on my sad icons on rent check. I do not allow calling out to Chase Bank or any bank PLEASE BRING ME TO XXXX XXXX XXXX AT FORMAL REQUESTS : I do not like XXXX XXXX XXXX & U.S. Department of Housing Urban Development.involved with Chase Bank, XXXX, XXXX XXXX XXXX, and other bank must be notified to XXXX XXXX XXXX as in addition, tell XXXX XXXX that I do not like U.S. Department of Housing Urban Development. I was unhappy with unfit resident of XXXX continually in increased complaint notification to Speaker XXXX XXXX at formal requests both all of above comments must forward to male official with Chase Bank that he can takes care of my complaint issues to XXXX at formal charging requests. Bring me to XXXX or other location under Chase Bank requirement! 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Patenaude & Felix APC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My husband and I were ( are ) trying to buy a home and took the first step in obtaining a home loan by reaching out to Wells Fargo. During our call, the gentleman that had been assigned to us was going over the program. We specifically asked what was needed and what were the first steps to get approved for a home loan. He did n't mentioned a credit score number that would be ideal nor did he bring up the fact that a certain amount of money had to be in your account at the time we started the loan process. He only was concerned about the amount of home loan we wanted. We did n't know what was possibly for us to get due to not having any information from him still on credit scores nor money in the bank. He was all over the board on down payment % and amounts and could n't give us a ball park answer. We had only given him approval to run our credit score since he stated that would allow him to answer all of our questions. After running our hard credit, they ran another hard credit on our account ( 2 hard credits, which approval was not given on the second one ). After our call today with the gentleman at Wells Fargo, he said that with the home loan we were wishing for we need a certain amount of money in the bank and this we should have known. If we knew that we would have to have the amount of money in our account for that home loan, we would have NOT approved a hard credit and worked on securing that amount of money in our account prior to moving forward. We also could have looked at a lower home loan if he would have told us ballpark estimates on amounts needed for down payments, but he refused to give us this information until he pulled a hard credit. I would have never approved a hard credit pull which has impacted mine and my husbands credit scores significantly if this information would have been presented to us prior.

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 09-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and XXXX bill payments within XXXX months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed over the phone. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.

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 07/29/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.

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

Complaint: Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Trouble during payment process

Complaint: HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My accounts were closed on XX/XX/XXXX without my permission for an unknown reason. Both my checking and savings accounts were closed as shown on the attached screenshot. I had not missed any payments nor received any notice that my accounts were endangered of being closed. I would have expected at the last a phone call and voicemail to contact me directly. I tried calling the Wells Fargo fraud department and they told me they could not figure out why the accounts were closed so I had to go see a banker at the nearest branch. After meeting with the banker he discovered that my accounts were closed due to a social security number error (the checking/saving accounts SSN did not match my credit card SSN) and that a cashiers check with all of my money was being mailed to me within 10 business days and they could not reopen my accounts with my money. Given that those accounts were open in XX/XX/XXXX, it took them 7 whole years before they decided to randomly close my account and leave me without any money as I do not have any other accounts elsewhere. All of the money in my account are student loans so I have no other source of income. Not only am I worried about my checks for around $8,000 worth of loans being sent out in the mail but it is also preposterous that I am being punished (closed accounts) for an error due that the bank failed to catch 7 years ago. Now I am told I have to wait for my checks, and go back to the bank and reopen new accounts. I am unsure if I will go back to wells fargo, especially with the way my accounts have been managed.

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