milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One advertises the " Account Combination '' feature for credit cards on their web site, which should in theory allow a customer who meets all the listed criteria to combine card accounts. I do meet the listed criteria but despite many attempts, always get an error message ( attached ) saying my accounts can not be combined. I have been a Capital One cardholder since XX/XX/XXXX, and over the years I ended up with four Capital One cards ( one or two were from their merger with XXXX ). I want to keep my oldest account, which has no annual fee and a {$1400.00} limit, and merge it with the credit lines of my two other personal cards which do have annual fees but lower limits ( {$850.00} and {$600.00} ), making one card with no annual fee and a {$2800.00} limit. <P/>I called Capital One customer service in earlyXX/XX/XXXX, spoke to someone in an outsourced XXXX call center, and they were unable to resolve the issue, or determine the specific reason why the Account Combination feature did not work on my cards. They could only rehash the explanation from the web site. <P/>On XX/XX/XXXX, I emailed XXXX XXXX ( attached ) who, from my research, had helped develop the Account Combination feature a few years back. She forwarded my email to XXXX XXXX, who later forwarded it to someone on the social media team, who in turn bounced it to the so-called " Executive Resolutions '' office. From what I can tell, the Executive Resolutions office is just a customer service escalation desk that has no real empowerment to fix this issue. I spoke to XXXX XXXX in that office via phone on XX/XX/XXXX and she, also, was only able to rehash the verbiage from the web site. She offered no resolution or further escalation. <P/>Later that evening, XX/XX/XXXX, I wrote a letter ( attached ) to XXXX XXXX, President of XXXX XXXX XXXX, and mailed it via XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The letter was delivered XXXX XXXX with tracking number XXXX ; an " XXXX XXXX '' at Capital One signed for it. In the letter, I expressed my frustrations with the lack of effort of anyone I had spoken to at Capital One to resolve or explain the Account Combination issue, my attempts to resolve it, and asked for XXXX XXXX to help, or delegate to someone who could. To this date, I have not received any acknowledgment of my letter to XXXX XXXX. <P/>On XXXX XXXX, still frustrated with the lack of resolution, I closed my two Capital One cards with annual fees. The fees were going to post in XXXX and XXXX if the card were kept open, and I do not want to pay annual fees for cards I no longer use with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: according to the FEDAL FAIR CERDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the first date of that account being late.According to CREDIT REPORT file from XX/XX/XXXX and credit report fromXX/XX/XXXX will show that the item I disputed is due for deletion

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 09-09-2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had ordered a 300 lb Weight Set XXXX XXXX XXXX XXXX via XXXX and paid {$210.00}. When I received the set was incomplete. I contacted XXXX to ship me more parts they refuse. On XXXX XXXX 2017 I decided to call Citi to dispute charges, Citi agreed to process the  dispute.I was shocked to see a reverse charge on my credit card in the amount of XXXX. 

This is regarding case # 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 03/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I initially contacted the servicer of my primary home, Nationstar, in XX/XX/XXXX for a loan modification. I went through the entire process, was verbally told by the loss mitigation department to not include my husband 's income since he was " not on the loan ''. I had no idea this was incorrect information so I did as instructed. Months went on with lots of back and forth with requested documents, etc. Ultimately Nationstar denied this modification due to lower than necessary debt to income ratio. Basically, because I had not included my husband 's income information even though the bank statements I provided showed income of nearly $ 23K per month, I was denied. THEN, Nationstar sent the denial letter to the wrong address and by the time I found out what had happened, I had lost any right to an appeal. I called Nationstar only to be given wrong information AGAIN! I was told to send in a contributor form which they emailed to me ... ..only this form. THAT was incorrect! Apparently I had to resubmit an entire new workout packet including this contributor form ... .so I keep getting bad information which only further delays the process for month after month after month. On top of that, the interest rates have gone up since then so I was denied by virtue of Nationstar 's error the right to appeal their decision in time AND lost out on the lower interest rate. Per the MHA today, I met the eligibility requirements back in XX/XX/XXXX and should have been approved under the HAMP Tier 2 program. Since that time I have had to resubmit paperwork 3 times, been denied a 2nd time just recently because they claim my home is a " 2nd home/Vacation Rental '' which IT IS NOT! Our home is a duplex, one side is rented out during the ski season to skiers and vacationers, I 've explained this with a letter of explanation, provided luxury bills, explained our tax returns, all at their request and they STILL maintain I do not live here full time. I do n't know what else I can do as I feel like all I do is get the run-around, delays that end up costing ME, the homeowner, for no reason other than clerical errors. I know Nationstar had the correct address back in XX/XX/XXXX because I received statements and correspondence from them to my address between XX/XX/XXXX and XX/XX/XXXX. When the denial letter was sent out XX/XX/XXXX, it was sent somewhere back in Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus continues to explain their actions for not providing me with information on my mortgage, by stating that I am in bankruptcy and that I am represented by Attorney XXXX XXXX. This is all false ; I have never been in bankruptcy and never hired Attorney XXXX XXXX. Since Seterus is conducting themselves based on this, I need Seterus to submit proof that I am in bankruptcy and I am represented by Attorney XXXX XXXX. Seterus never bothered to verify this information about me. Since this is all false, I am entitled to information about my mortgage loan. This includes receiving monthly statements so that I can make sure that my payments are properly credited, find out when statements are due and what late fees charges are, and escrow statements need to be mailed to me at my home address. The latter was mailed to Attorney XXXX XXXX of which I have no relationship with. This error by Seterus resulted in my not knowing the new monthly payment amount for my mortgage. XXXX Bank sold our mortgage to Seterus in XXXX 2013. During 2013, I continued to receive monthly statements and the escrow statement prior to the mortgage being taken over by Seterus. If XXXX can provide me with information on my loan, than Seterus certainly can continue to do so. I am not in default of my mortgage loan. All payments have been made and proof of payments have been provided to Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there

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 07/15/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: I am a Colorado member of Chase bank and hold XXXX accounts with them : XXXX checking, XXXX savings, XXXX mortgage, XXXX auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other XXXX accounts since I do n't have a debit card directly linked to them. I recently noticed that a {$20.00} bank fee has been taking from my savings account monthly since XXXX 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citibank switched over the credit card numbers from an old number to a new number due to security issues with their system. During this transition online payments were not possible. I called in to make a payment and was told that they could not accept a payment but when the card number transition was complete I could do so. But then Citibank  Charged  a late fee.

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 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX    XXXX   my husband 's employer  XXXX  went on strike at which time paying our mortgage became difficult.We were offered a forbearance program through  wells Fargo  in which we would make reduced payments for 6 months and then apply for permanent modification at end.We made all payments on time when it came time for modification everything requested was sent in and then modification was denied saying we could afford payments.We can afford payment however they requested.the arrears of mortgage payments up front and we did not have  XXXX   XXXX  dollars so they sent a foreclosure notice with only thing offered being short sale or deed in.lieu.This has been our home for  32 yrs so we went to our local bank to refinance only to be denied because wells Fargo had reported our mortgage delinquent since beginning of forbearance.Now no one will   finance us with a  XXXX   credit score and  we can not even qualify for a home equity line to save our home even though we have  XXXX  in equity.So we will be losing our home if no one will help us!

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 12/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the companys response, XXXX XXXX state that they reviewed business records that indicate that the account information it is furnishing to the three major credit reporting agencies is accurate. That is 100 % inaccurate! The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts that are posted on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even accounts that do not belong to me or are not reporting 100 % accurately! 
1. XXXX XXXX and XXXX are showing different date of open account and placed for collection dates with collection agency. 
2. XXXX XXXX and XXXX have different account statuses. 

Per XXXX XXXX, your previous request, the above-referenced account will remain marked Cease and Desist. While it remains due and owing. How can it remain due and owing when you have not properly verified what is due and owing, when there are multiple errors reporting on all credit reporting agencies and per The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the original creditor stated they no longer have the original signed consumer contract nor your company can furnish it? I would like the account to be removed immediately from all three major credit reporting agencies. Also, per FCRA 611, if every aspect of the account is not 100 % accurate it must be immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear CFPB, I checked my Experian Credit Report on XX/XX/2016 and I was surprised to find XXXX inquiries : XXXX from XXXX on XX/XX/2016 and XXXX from XXXX on XX/XX/2016. I have not taken any action to open an account with either XXXX or XXXX. I do not know why the inquiries are on my report, but I suspect identity theft. I am seeking to remove the inquiries from my report and put those companies on notice of potential fraud. Attached please find my Experian Credit Report showing the fraudulent inquiries. I have erased my name from the doucment in accordance with your request to not include personal information. 

Please let me know if you can assist me in the process of removing these inquiries from my credit report. 

Thank you

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 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.

Company response to consumer: Closed with non-monetary relief