milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit card protection / Debt protection

Complaint: I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried to get this alleged debt validated. It started when XXXX sold the debt to XXXX XXXX XXXX XXXX. I got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent them a validation letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond. So I sent another letter on XX/XX/XXXX, that was also not responded too. According to XXXX XXXX, XXXX they sent me an email requesting payment for the debt. I never gave anyone authorization to email me about a debt or payment of alleged debt. Well guessing the alleged debt was sent back to XXXX. XXXX yet again sold it to McCarthy , Burgess & Wolff , Inc . I sent in a request for validation on XX/XX/XXXX certified mail. I have sent validation letters to XXXX in XX/XX/XXXX and XX/XX/XXXX. I also sent 609 letters to XXXX and XXXX   about this alleged XXXX debt. Everytime it comes back as " verified ''. But no proof as to how they verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 tried several times to have the issues corrected and so far nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it.

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 04/13/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Billing disputes

Complaint: We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 
I NEVER had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that Capital One XXXX .... reported negative marks 90 60 30 Lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 )  ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customerand that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with TRN Financial LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I met XXXX XXXX at a networking event where he was soliciting mortgage applications. I asked him to look into potentially financing a rental property that my domestic partner owned and sent him information regarding my domestic partner, XXXX XXXX ( I have a power of attorney for her and she authorized me to act on her behalf in this transaction ). She owns a rental property that has no debt on it and we were interested in obtaining a conventional mortgage loan on it. I was very specific that we did not want to have her credit report pulled unless XXXX XXXX felt that she would be able to obtain conventional financing ( her situation is unique and I did not think that she would qualify and explained to XXXX XXXX all the concerns I had regarding underwriting ). He assured me that he could get it done and pulled the credit report. He subsequently got busy with other clients and stopped answering my followups for one month. He then answered one additional email and again stopped responding to me for another month. It has been over 3 months and XXXX XXXX has completely failed in his customer service in the basic answering of emails and phone calls. This is irrespective of whether he can actually obtain a mortgage, he simply can not and refuses to answer emails and phone calls. This is the most unprofessional real estate professional I have dealt with in my entire life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.

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 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kinum, Inc. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (WI).
Issue: Taking out the loan or lease

Complaint: We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I was a patient in the XXXX recovering from a broken ankle.They billed {$5800.00}. XXXX paid {$5500.00}, XXXX paid {$58.00} & {$170.00} and I sent a personal check for {$57.00}. They keep billing me {$810.00} through XX/XX/XXXX. I have submitted the statements from XXXX proving the payments. They claim there is a co-pay or deductable is due but never indicated it on any of their monthly statements but they did accept the amount billed from XXXX, XXXX. Now they have turned this bill over to a collection Agency ( Revenue Group ). I have sent the collection agency the statements from XXXX and XXXX proving the Payments but they continue to demand the {$810.00}. Refuse to prove that the bill is valid and have given no accounting of the payments made. Now thay are taking me to court. This bill has been paid but they keep trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: it has been more that 10 years since I had a account with XXXX. she not be on my account not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The company leaked personal information and knew for MONTHS before releasing the information this occurred. And if you want to check if you were affected, there is n't a verifiable way ; recent information indicates that if you try to check if you were affected, they randomly generate an answer. Even past the security breach, the handling of this issue is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this was a cable ( XXXX ) XXXX bill that was put in my name in 2010. Convergent re-aged the debt for {$140.00}. it appears on both XXXX and XXXX credit reports crippling my chances to move forward in life

Company response to consumer: Closed with explanation