milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with Credit Adjustments Inc (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.

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 01/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Credit card protection / Debt protection

Complaint: My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

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 08-10-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I took out a {$2500.00} loan from XXXX XXXX who sold it to XXXX XXXX who sold it to Cash Call. I just found out that they are collecting on a loan without a license in Texas. Cash Call placed my signature on documents with their company name on it and I did not sign anything with them. I was also informed they are not a payday loan company which means they are in violation of Texas statutes regarding APR in addition to lending without a license. I have already paid them approximately {$9000.00} and have just over {$3000.00} left. I do not feel like this is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with SRA Associates, Inc. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with XXXX suddenly removed. I called them to find out about the correction which has not been made. This is also preventing a current refinance opportunity. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.

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 07/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I checked my XXXX report and noticed previously deleted inquires were reinserted back on my credit report and i was not notified that they were being reinserted

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 05-09-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Account opening, closing, or management

Complaint: I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MA).
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: On XX/XX/XXXX, a district court in my state dismissed ( with Prejudice ) a debt collection agencys lawsuit against me in the amount of $ XXXXtheir lawyers did not comply with my discovery request and as a direct result, lost their case. I reached out to the debt collection agency on XX/XX/XXXX to dispute the collections account since the case was dismissed. Not only did they not process my dispute, they stated that they would continue to report to the credit bureaus twice per month. Please help! This is affecting my ability to get approved for credit and to get decent interest rates! Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Refuse to refund my credit balance do not reply to my letters

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This summer I rented a car through XXXX and they told me my credit rating was XXXX and rented me the car without a credit card. I also applied for a loan this spring and got it with no problems. Last week my credit rating was reported as XXXX on XXXX. Yesterday, I got a loan rejection from a credit card company who said my credit rating on Transunion was XXXX. 

What 's the point in having the ratings if they are so divergent?

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 07-06-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From XX/XX/XXXX -XX/XX/XXXX I underwent an administrative wage garnishment. At the time the garnishment was levied I was under a loan rehabilitation program. Be cause the collection agency failed to properly certify my employer I was garnished at a percentage ( 25 % ) above the legal limit of 15 %. I only had four months left of rehabilitation but I could not afford to continue the plan because I was unable to comply while trying to resolve the garnishment amount being withheld. It took 17 months for the improper garnishment to stop. I was charged {$10000.00} for this collection agency ( GC Services ) to collect on my defaulted student loan. I requested a hearing from the U.S. Department of Education and asked them to apply the excessive amounts as voluntary. They refused. After 2 years they refunded the amount ( {$5200.00} ) then charged me interest and penalties along with the collection costs on refunded amount for those 37 months. I remained in garnishment until XX/XX/XXXX when the garnishment ended. ( {$29000.00} ) The Department of Education stopped responding to me and I thought I was done. Then in 2017 another wage garnishment was levied by the Department of Education for another $ 77,000.00+ It appears that the U.S. Department of Education would rather  you remain in default for your entire life. Because my hearing was denied and a " records review '' was conducted I was not afforded due process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Checking or savings account (Savings account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hello, my mother opened a UTMA account with about {$150.00}, which has now grown to {$190.00}. As per the law, UTMA accounts belong to the minor once they become of age, and the minor is legally required to be the full owner of the funds. I called Santander and they stated that they will not give me any information about this account, or let me have the funds that legally belong to me. Santander is thus violating federal law, and I demand that the account be correctly converted to be an individual account that is accessible, or that it be closed and the funds be sent to me. Illegally violating the law, and holding my money hostage, is not something that builds trust with a bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX, XXXX is a debt collector that is attempting to collect a debt that is not mine. XXXX, XXXX has purchased the debt from another debt collector DIVERSIFIED CONSULTANTS , INC . I have never given any information to or signed any contracts with XXXX, XXXX XXXX, XXXX inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Bankruptcy

Complaint: In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 05-03-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Eagle Accounts Group, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Never received letter notification of debt. I found out about the debt after receiving paperwork  from county  sherriff for lawsuit filed in  my county . Had communication with  XXXX  at  Eagle Accounts Group  and she did not disclose that she was a debt collector nor that it was an attempt to collect a debt. FDCPA violation  807 ( 11  ). I do have the conversation recorded.

Company response to consumer: Closed with explanation