milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.

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 01/20/2017 about Debt collection (Payday loan) with BlueChip Financial (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express Serve has reversed and taken all funds on my prepaid card. They will not allow me access to my funds nor can they explain why my funds were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Payday loan () with SECURITY FINANCE CORP (ID).
Issue: Can't contact lender

Complaint: I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation Of debt and verified the said debt with the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine it has since been removed from there records and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record as well as documentation received from the courts. The documentation from the courts was sent in a dispute via certified mail. I was also informed on the same call that they DO NOT Request validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report 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 explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I submitted a request for a credit line increase and was denied credit based on information contented and/or reported by the credit bureau agency 's. Capital One reported the base for my ineligibility is a composite of information obtained from my credit file. 

I have previously made an attempt to collect the following information from Capital One regarding the specific reason for my denial and response for ineligible and requested they provide me with the source of the information so that I may review the information contained in my files. 

I believe the denial is based on discriminatory reasons and further request which federal agency to file a complaint with based on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (UT).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. 

This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. 

In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. 

At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. 

After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I  called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. 

This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
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 saw an ad for notary jobs on XXXX from XXXX XXXX XXXX XXXX. I signed up for all three classes. I took two classes at {$190.00} each. It was n't until the second class that XXXX XXXX XXXX XXXX told the students they do n't have employment, they only do training, and that is not what I signed up for. I should have checked with the XXXX because this company is a scam. I did not take the third class that cost {$340.00}. I have been working with Capital One since XXXX of 2017 trying to get this resolved. Capital One is charging me for all 3 classes, plus interest. Capital One is charging me {$740.00} to XXXX XXXX, the amount should only be {$390.00} since I only took two classes and I would like to dispute that amount as the classes were not as advertised. If push comes to shove, I am willing to pay the {$390.00} and mark it up as a lesson learned in order to save my good credit rating. I am not willing to pay an additional {$340.00} plus the interest Capital One is charging me, for a class I did not take. 

I was another victim of a scam. XXXX XXXX XXXX XXXX has scammed quite a few people, but Capital One should have had my back. I was a good customer, always paid my bill on time and had an excellent rating with them before this happened. I have called Capital One many times and have sent them the attached documentation. I finally cancelled my credit card. I had a zero balance before this charge of {$740.00} and now with interest it is up to {$830.00} and it just keeps getting bigger. If you can please help me with this, I will sincerely appreciate it. I am at my wits end and do n't know where else to turn.

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. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I tried calling Navient at XXXX about my student loan where the caller keeps getting automated menu responses after a lengthy period of time - there is NOTHING ON THE MENU to connect the caller to a real person. When I finally was able to connect I asked who & where I was talking to the person would not give me their name and said they were from XXXX ( would not give specific country ) ; additional they had difficulty articulating in the English language. I asked multiple times to be connected to the UNITED STATES - each request was denied. I do not trust giving my information to someone overseas and I heavily object they have my information as well as that of other students. 

Navient needs to provide, without delay, a phone number that connects the student borrower to an actual person in the United States. 

This is highly unacceptable and there should be legislation preventing this from happening. 

I DO NOT AUTHORIZE THE " CONSUMERS FINANCE PROTECTIO BUREAU '' to release my email to Navient whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Non-federal student loan) with RMS-Recovery Management Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During the last school term of 2014, I was tasked with the care of a XXXX relative. I was already enrolled in classes and was utilizing a tuition deferrment program with my University. I withdrew from courses to care for my relative and this debt has since been sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: On XX/XX/2017, Chase bank proceeded to do a hard inquiry for promotional purposes without my consent. My credit file has been black for all promotional purposes. This has created a reduction in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Payday loan debt) with Bayside Capital Services, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX The company contacted my home, my job, my mother and my grandparents house leaving voicemails saying if I did not call them back they would be serving me with Legal papers at my place of employment. On XX/XX/XXXX They contacted my job again saying they would serve me with papers at my job if I did n't take care of this. I asked what company he was callimg from and he said the bcl, I told him I never heard of that company and he said it was from a loan I had from XXXX. He stated they were willing to settlw the debt for a lump sum payment of over {$600.00}. I let him know I could n't do that. He then stated I could pay {$110.00} every other week until that debt was paid and proceeded to ask for bank account information. I aaked him to send me a letter of validation since I have never received anything reguarding this debt and he sent me a email that was very fishy. He then said if I did n't call him with my bank information they would sue me and serve me paperwork at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with College Loan Corporation (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have contacted Bank of America since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 06-04-2015 about Prepaid card (Government benefit payment card) with CITIBANK, N.A. (DC).
Issue: Managing, opening, or closing account

Complaint: I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. 
I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. 
I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation