milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: XXXX # XXXX This is the response I received from you and there was NO attachment. The case has NOT been settled, however I did speak with XXXX from the executive offices of Capital One XXXX XXXX pin XXXX. She is supposed to get back to me the end of this week. 
An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ). The OMB control number for this collection is XXXX, expires XXXX/XXXX/2018. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS  DATE : XX/XX/XXXX   XXXX ,  XXXX   XXXX   SOC  SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  MIDWEST RECOVERY SYSTEMS,  LLC  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m  ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may  not appear on my credit report if they can not be supported by any evidence (  1  ) In general No person  (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2  of this title has resulted from identity theft.    ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 )  after the date of a notification under paragraph  ( 1  ).    ( 3 )  Rule of construction Nothing in this subsection shall be construed to prohibit - - (  A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone  Consumer Protection Act  Litigation, Case No. 11-MD-2295-JAH-BGS, in the  U.S. District Court f or the    XXXX   XXXX   of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  TODAYS DATE  XX/XX/XXXX   XXXX ,  XXXX   XXXX  SOC SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. 

I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. 

There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits.

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 05/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Overlimit fee

Complaint: My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (WA).
Issue: Problems when you are unable to pay

Complaint: American Honda Financial disclosed my loan information to my boss at work and revealed that I was 90 days past due which is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Other bank product/service) with NCC Business Services, Inc. (FL).
Issue: Account opening, closing, or management

Complaint: This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.

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 05/22/2015 about Debt collection (Medical) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Penn Credit XXXX keeps calling and leaves no message, I called them back and tried to tell them it 's been handled by my medical insurance and they just keep talking over me. I tried to tell them to stop calling and they talk over me. One person hung up on me and another named XXXX XXXX left me on hold claiming to get a supervisor. They just keep talking not allowing me to tell them to stop calling. They do n't care what you say they just keep talking over you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent account.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is reporting fraudulent account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION

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 05/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: Wells fargo charges my bank account for fees without authorizing it through me first. I received fees in my savings account for completing too many transfers in one month. Fine, but I believe I should receive warning that the fee will hit my account so that I can make sure that the money will be there rather than them doing it without notifying me so that I am hit with that fee plus another overdraft fee because there is no money in the account. I called they would not refund me the XXXX dollars and I explained to them had I known I hit the limit of transfers per month, I would have gone to the branch store and done the transaction. Also, I received a fee in my checking account relating to a closed credit card. Because I could not make the payment on time wells fargo took money out of my checking account, and my checking account could not cover the transaction, so I was dinged with another XXXX dollar overdraft fee. I believe I should be notified, I have never seen a fee like this for a closed credit card account and if they are going to do that I would like notice so that I can make sure the money is in there or pay them by other means. Also, multiple time I have taken money out knowing that I was going to pay a fee of XXXX dollars for an overdraft protection. Multiple times I check my account everything has been posted so I agree to taking out XXXX dollars for a XXXX dollar fee. But what happens a couple of days later I check my account and transactions that were posted before the XXXX dollar withdrawl are somehow showing up after the withdrawl and I am dinged with more than one overdraft fee. I have been a wells fargo costumer for 3 years, my parents have been a customer for many and have multiple lines of credit out with them for a mortgage, renovation loan etc. Please help I am being charged thousands that I do not have and banks and insurance companies are aware of my credit but if I keep getting dinged I do n't know how I am going to ever save or have decent credit.

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 10-05-2017 about Vehicle loan or lease (Loan) with MAS Financial Services, Inc. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.

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 05-04-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Fraud or scam

Complaint: I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Rewards

Complaint: On XXXX XXXX, 2014, as I was shopping online for Southwest flights, I was intrigued by a promotion I read about for a credit card. Chase was offering XXXX flight points if {$2000.00} was spent within 3 months of opening an account. I was planning a big trip in the spring and thought these points could help. I checked out of Southwest by applying for the card - not because I needed a credit card but out of interest of this promotion. I charged the flight to my new Southwest Airlines Rapid Rewards Premier card. 
In XXXX, after I spent the {$2000.00} on the card to qualify for the promotional points, my account was not showing these points were added. I looked into this and read that I should allow XXXX weeks for the points to be added to my account. In XXXX, approximately 8 weeks later, still no points. When I called Chase on XXXX XXXX, they explained to me they could not apply the promotion that I thought I signed up to get because it had been more than 90 days since my account was opened. They sent my account for further review and told me to expect a decision letter in 7-10 days. 
On XXXX XXXX, I received the letter ( attached ) and I called Chase to dispute the decision. The customer service rep who took my call asked if I was calling to get the promotion for XXXX points. When I said yes, she told me Chase was going to honor my request and match the points, which would reflect on my XXXX statement. On XXXX XXXX, when I viewed my statement, the points still had not been added. I emailed Chase that day with my complaint ( attached ), explaining my concerns. They have since responded with another decision letter ( attached ), explaining the path I took online to apply for the card was actually for a different promotion and that they can not apply the XXXX points because it has been more than 90 days since my account was opened. 
I feel that I was coerced into applying for this credit card, not knowing more than one promotion was being offered, dependent upon the path used to apply for the card. I also was not provided with sufficient information to know that I had 90 days to confirm that I was receiving the promotion I desired. Furthermore, the promotion allows up to 3 months ( or 90 days ) to even qualify for the bonus points, not to mention the time needed to add the points to the account ( 4-6 weeks ). I had no reason to dispute the promotion in the first 90 days of opening this account. I would have needed to spend {$2000.00} within the first 30 days of opening it, in order for my request to be honored within the 90 day grace period. This is all compounded by the fact that I was misinformed again on XXXX XXXX when I was told Chase would be honoring my request to match the points. 
I understand Chase has policies they have to adhere to consistently for all customers ; however this is enough of a case to make a business exception. I am escalating this issue through the CFPB because Chase has not taken accountability for my ambiguous, unsatisfactory customer experience.

Company response to consumer: Closed with explanation