milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Debt collection (Auto) with M. Richard Epps, P.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: M. Richard Epps P.C. and XXXX XXXX XXXX bought a contract from XXXX XXXX XXXX XXXX XXXX, that the original Creditor XXXX XXXX XXXX XXXX XXXX had Written Off Profit and Loss with a {$0.00} balance. XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor XXXX XXXX XXXX XXXX XXXX shutdown as of XXXX XXXX. How can XXXX XXXX XXXX XXXX XXXX continue to report fraudulent account activity to XXXX and XXXX. Also, XXXX XXXX XXXX XXXX XXXX can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX Law Firm, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. XXXX XXXX XXXX XXXX XXXX was Removed from my XXXX Credit Report on XXXX of XXXX with a Balance of {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: i disputed an amount of {$130.00} on XX/XX/XXXX Wells Fargo gave me a temporary credit. on XX/XX/XXXX the amount was charged back to my checking account. I did n't receive any notification that the claim had been resolved.

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 12/14/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: A hold on membership with Navy Federal Credit after opening both a membership saving and checking account on XX/XX/2017. Until today, I was not aware that my identity theft crisis for the last three years involved my name and identity on reports from CFPB and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KY).
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: My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. 
I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.

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 05/17/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with C.Tech Collections, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Capital One doesn't let me connect with XXXX to withdraw or deposit my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gentleman called and continued to call me a liar after I explained my situation to him. I repeatedly told him that I never ordered the system he called me about and he went on and on reading I suggest a his lines calling me a liar. I did not appreciate the harassment and do n't want him them to ever call my phone again.

Company response to consumer: Closed
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: since XX/XX/XXXX XXXX I have been working with my mortgage co. Nationstar. THE AGREEMENT WAS TO LOWER OUR MONTHLY MORTGAGE PAYMENT AND LOCK IN OUR INTRESET RATE AT 4 %. We went thru the XXXX California program for the funding of {$51000.00} that was paid to Nationstar on XXXX/XXXX/XXXX to pay down my principal balance to lower my monthly payment.This process took from XXXX XXXX to XXXX XXXX I would call to get an update I was told it is pending, it is in process, I was never told that any other paperwork was needed. I called in XXXX XXXX to get an update in my new monthly mortgage payment I was given the same monthly amount before the principal reduction payment. when I told Natonstar XXXX this is NOT CORRECT I was told that I needed to request a RECAST. I told Nationstar for the last 4 months I called for updates I was told it is pending from XXXX XXXX to XXXX XXXX. I called XXXX California for their help and I was told to handle it with Nationstar.. I have tried to get in touch with the recast dept.you cant reach them by phone. I have to leave a message or have someone within the company E-Mail them, so we play phone tag. I have filed a complaint with Nationsta NO response to date.Nationstar has had me contact several different depts. that cant help so this has taken too long and they have given me a final date of XXXX/XXXX/XXXX to have the recast paperwork in. Thanks for your time hope to speak with you soon ( My work days and hours vary from day to day )

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NY).
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: It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Other mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is being submitted due to derogatory information on our credit report for property located at XXXX XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, NA collateral was surrendered in a Chapter XXXX XX/XX/XXXX in Federal Bankruptcy Court and the presiding judge was XXXX XXXX. This secured claim was surrendered and satisfied in full through surrender of the collateral. XXXX XXXX XXXX then sold the loan to another mortgage company and they sold the loan which resulted with One West Bank having the loan now. They have the property in foreclosure on my credit report as if I still own the property. One west bank has been notified by my attorney that the property was surrendered XX/XX/XXXX and of the improper conduct of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Ive applied for a home depot credit card over 10 times and there is no response from citi bank. a couple times they have responded with ridiculous reasons for not extending me credit. i have called the manager at the home depot store and explained it as well and they can justify them turning me down, indicating there is something else going on.

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 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
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: Kindly review the document attached to this email, in support of andregarding my complaint against American Express as follows : I was told by   XXXX   XXXX   Tutoring that they did not receive a charge on my card in the amount of {$700.00} from American Express. As a result, I sent them a check for that amount plus another amount for another service. When I contacted American Express after seeing that I was charged the {$700.00}, American Express was supposed to give me a credit but did not. I am demanding American Express give me my {$700.00} credit on my card as I was told they did not give the money to   XXXX   XXXX  , I paid   XXXX   XXXX    separately, and I h ave all of the documents to prove it.  <P/><P/> Desired Outcome : Permanent {$700.00} credit back on my card, as I already paid   XXXX   XXXX   via check since I was told American Express did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Bank of America is charging customers foreign transaction fees when they are not converting currency. 

I purchased items from a company XXXX and used XXXX service to complete the transaction. When I received my Bank of America Statement, there were foreign transaction fees attached to the charges. The first set of transactions took place on XXXX/XXXX/XXXX for {$85.00} ( foreign transaction fee of {$2.00} assessed ) ; XXXX/XXXX/XXXX for {$53.00} ( foreign transaction fee of {$1.00} assessed ) ; and then XXXX/XXXX/XXXX for {$38.00} ( foreign transaction fee assesed {$1.00} ). 

After this first incident, I was told by Bank of America that currency must have been converted ( even though they were unable to see any conversion happen ) and they said that is why I was charged the fees. I reached out to the original vendor ( XXXX  ) and they were confused because they were payed the exact amount in USD.  XXXX assured me this was an error and apologized and gave me a store credit for the amount I was charged by Bank of America. 

I placed another order with XXXX on XXXX/XXXX/XXXX for {$34.00} and was assessed a foreign transaction fee of {$1.00}. This time I contacted XXXX and XXXX again. 

I am told by both XXXX and XXXX that there is no conversion of funds occuring and money is not being sent outside of the US so there should be no foreign transaction fees assessed. I am also told by XXXX that the customer " XXXX '' has a XXXX address and this could be why Bank of America is charging these fees. I have also been told by XXXX that they do have issues with a few American Banks that charge their customers foreign transaction fees even though the money is being transferred in the US because of their XXXX address. I have not discussed this directly with Bank of America since the first incident. 

So, it also seems that XXXX should have this information prominently displayed on their website at checkout that they are NOT located in the US and charges could result in foreign transaction fees ( even though the address on their website is XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX ) or XXXX should be notifying the buyer of this potential fee since they are basically the middle-man/money manager here and know the address information for the vendor. 

But in closing, Bank of America should NOT be charging these fees just because the address of the owner of the XXXX account is in XXXX. I know this is not a lot of money I am out here but it 's the principal of the practise. I am certain there are many people out there that do not read their cc statement and probably do n't even realize this is an issue.

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 11-12-2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

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