milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: The first week of XXXX XXXX, Capital One was advertising ( 1 year 0 % interest rate promotion ) online. I applied online and the second day a representative from Capital One called me on a recorded line to notify me that I was approved for a 1 year 0 % capital one credit card. After XXXX XXXX if I do not pay my balance I will be charge an interest rate of 25.4 %. However, my first statement dated XXXX had 0 % interest rate which was good as agreed. The next statement dated XXXX I saw a interest charge of {$48.00}. I called Capital one and representative said to me that they apologize for the mistake that my account was indeed 0 % interest for 1 year and that they will waive the charges. 2 months later I see my statements and I noticed Capital One continue charging me interest rates and my credits were never given back to my account as I was told previously that I will get credited for the inconvinience. I called Capital one and requested to speak to Supervisor and she told me that my account in a program for 6 months 0 % rate only and then she changed her story and told me I was in a 9 month 0 % interest and I will begin getting 25.4 % interest charges effective XXXX XXXX. But I told Supervisor that I 've been charged interest since XXXX XXXX so it does n't make sense to me. I called again Capital One and I requested to know what program am I enrolled and representative responded " your enrolled 25.4 % program from day one ''. I asked representative what happened to my credits capital one was supposed to remove last month I called and another representative said that I was charge interest in an error and that they had apologized and were going to remove those fees but I never saw any credits on my account. This representative responded that they were no credits on my account b/c I was never enrolled into a 0 % interest rate program. So far I 've been charged over {$480.00} in interest. Every time I call I get different responses and there always apparently investigating my account. I do n't understand.!! ... All calls are monitored and recorded so I know if they are heard they will find discrepancies from CapitalOne representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Bank of america card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Bank of america asking for a refund. Since then, I have n't received any meaningful communications from bank of america on when i should get a refund. I need the funds to be credited back to my account and bank of america has n't been responsive enough. I am not satisfied on how bank of america is handling my claim and the burden being caused on my finances by bank of america not immediately crediting my account while continuing their never ending investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Account Resolution Services is not treating me fairly and is breaking the law. I am a victim of identity theft ; my reference number with the FTC is XXXX, and this company is demanding payment for deletion even though the debt was a product of fraud. They are calling me harrasing me in fact after I demanded they cease all contact with me. I want them to remove their collections from XXXX and XXXX. They never sent me a bill or letter before the collection was reported to the CRA 'S and they know that but still demand payment for deletion. Also when I disputed the collection with XXXX they did not ceace collection attempts and reporting to the CRA 's. They will not stop harrasing me. Please help me

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (NJ).
Issue: Excessive fees

Complaint: I hired credit repair.com in XXXX XXXX but I disputed items prior to hiring them and disputed the following item XXXX XXXX credit card, XXXX, and XXXX XXXX XXXX XXXX XXXX All the above sent me letters of confirmation that it will be removed. It was updated and removed also XXXX XXXX and XXXX XXXX XXXX but credit repair saying they did it and they lied to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SOUTHERN MANAGEMENT

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 10/15/2017 about Debt collection (Other debt) with First Credit Services Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear CFPB, I have recently been denied an application for credit on the basis of my Equifax credit file. According to federal law, I should be able to obtain a free credit report from Equifax. Yet for about the 10th time I have been in this situation, Equifax will not make my credit report available to me online. Each and every time I am directed to a page I am supposed to print out and mail to them together with a copy of my Social Security Number card and driver 's license for further verification. I have done this numerous times in the past. I have also called Equifax a countless number of times and spent hours upon hours on the phone with them trying to obtain my report and resolve this issue. Yet EACH AND EVERY time they deny me access to my rights under the pretense of identity verification. How many times do I need to send them my sensitive documents in the mail ( and risk identity theft in the process )? They do not have a problem verifying me. They are simply trying to make it as hard as possible to obtain free credit reports so as to goad you into signing up for their paid services. This is shameful and I have never been so disgusted with a financial institution in my life. Yet I am captive audience and can not leave to choose another provider. That 's just how credit reporting works. Please note I have absolutely NO PROBLEM obtaining my credit reports on first try with XXXX or XXXX. Please please please force about change at Equifax or shut down this racket!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IA).
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 continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: XXXX   XXXX ,2015-   XXXX -  I call  XXXX   XXXX   XXXX    XXXX   and they will try to removed this off my credit report because it 's  past 7 years old. n o change on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$41.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
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: On or around XX/XX/XXXX I engaged in a transaction for the amount of {$360.00} USD to purchase clothing from XXXX XXXX. I received the package on or around the XXXX day of XXXX, XXXX. When I received the package, it was empty. There was no merchandise of value whatsoever inside the package. I contacted the merchant, XXXX XXXX who said they were unable to issue a refund. At that point, I filed a dispute with capital one online. I was issued a credit by capital one on or around the XXXX day of XXXX, XXXX. I was not given any update on the dispute by mail or electronic notification. I was never asked for more information from Capital One. With this being said, on or around the XXXX day of XXXX XXXX, capital one reversed the credit without explanation. On or around the XXXX day of XXXX, XXXX I spoke with 4 different individuals at capital one, to wit the final individual disconnected the phone without giving me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Government benefit card) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint: On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit determination

Complaint: I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). 
They are unable to resolve the problems they created for me!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CASHCALL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that Cash Call would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX  ( the collection agency they sold the debt to ). So I filed a dispute with XXXX, the status of my account went from " delinquent '' to " late 120 days ''. I called XXXX and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach, which potentially opens me and my spouse to identity theft. We have been planning on applying for a HELOC this fall, but if my information is used due to improper security on Equifax 's part, I may not end up having a good credit score, or may be denied for reasons related to fraud using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill

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 12-01-2016 about Payday loan () with Cottonwood Financial Ltd. (IL).
Issue: Payment to acct not credited

Complaint: I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.

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 07-07-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Federal student loan debt) with Constar Financial Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. 
The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. 
Collection efforts continue.

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