milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. 

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX consultant XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Debt collection (Medical) with Receivables Performance Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.

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 09/27/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Closing/Cancelling account

Complaint: Around the XXXX of XXXX XXXX I contacted Bloomingdale 's Credit Card Services ( XXXX ) to verify my account limit. After inputting my card number and other identifying information I was advised that my credit limit was {$2000.00}. I actually thought that my limit was much higher than that. About 5 days later I received a letter from Bloomingdale 's dated XXXX XXXX XXXX stating : " Why we 're writing you It 's been a pleasure to have you as Bloomingdale 's Credit Card customer and to serve your credit needs. We are sorry to hear that you no longer wish to keep your account. As you requested, we have closed your Bloomingdale 's Credit Card account. '' After reading the letter I immediately called Bloomingdale 's at XXXX on XXXX XXXX XXXX to advise that I never requested to have my account closed. The Bloomingdale 's representative indicated that my account was closed in XXXX XXXX which was a surprise to me because around XXXX XXXX XXXX I was informed I had a {$2000.00} credit limit! 
I requested that my account be re-opened because their letter falsely accuses me of requesting a closure of my account. The representative then transferred me to her supervisor. I then re-iterated my concerns to the supervisor at Bloomingdale 's Credit Card Services again stating that I never requested to have my account closed and just a week earlier I was informed that I had a {$2000.00} limit. I also indicated that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act affords me the right to receive an " adverse action '' letter from a creditor if they took an adverse action against me. I did not receive such a letter in XXXX XXXX stating my account would be closed and I did not request to have my account closed in XXXX XXXX. I then requested that the supervisor re-instate my account and she advised that she would have to transfer me to yet another department that could handle that request. I was placed on hold and then a gentleman came on the line, I greeted him and after several " Hellos '' he did not respond anymore so I disconnected the call. 
I am very concerned about my credit reports and my credit scores being adversely affected by the closure of a 7 year old account with Bloomingdale 's which was in perfect standing and for no reason of my own. Also, it seem peculiar that the gentleman in the Bloomingdale 's credit department would not respond after coming on the line and has not called me back to discuss the 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 explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: When I received my XXXX statement from Capitol One there were four charges on it from 'XXXX ''. I had no idea who or what this was. When I called Capitol One they said that this waXXXX XXXX which I have NEVER used or even know anything about. They then gave me a phone number to call at this company ( which was not on my statement ) so I called them. The XXXX company could not tell me how this had appeared on my charge card because they did not have a XXXX account in my name. They then said that they would refer this to their fraud department and contact me within 3 to 5 business days. 

This was done on XXXX XXXX and to this date I have heard no more from this company. I just received my statement from Capitol One and no corrections were done to my account. The charges were {$100.00} ; {$100.00} ; {$100.00} and {$48.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with Apex Resolution Group LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Last called was   XXXX   XXXX   XXXX   at my place of employment. Was a recorded message. I have left messages in the past for something in written but nothing was sent.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Current account balance/s incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Transaction issue

Complaint: I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue 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 06/15/2015 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with NAM National Arbitration and Mediation (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My friend received a call at work in reference about me owing money. Told her about allegations against me and said he would have my drivers license suspended and wage garnished plus contact the social security for fraud. Is this legal in Texas to have a company named ADR XXXX Group to call a third party person to leave this information?

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes. 

A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (AR).
Issue: Application, originator, mortgage broker

Complaint: I received an invitation to calculate my mortgage payment via email solicitation. ( See attachment ). I was not informed that my personal information would be sold and sent to other mortgage lenders who in turn checked my credit report. This has resulted in my credit score being impacted significantly. These practices are totally unfair to consumers and I am requesting your assistance in resolution of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (VA mortgage) with U.S. BANCORP (IL).
Issue: Application, originator, mortgage broker

Complaint: This letter is to complain about the ill treatment that I 've received from US Bank when I applied for a refinance of my original home mortgage that I had with them. I was lied to about how much I could refinance my home for. The original loan was a VA loan which guarantees the loan XXXX %. I 'm a service-connected XXXX veteran. I was told by US Bank Rep that the VA only allowed a refinance of only XXXX % of the market value of my home. I thought this was strange so I contacted the VA and they told me that statement was not true. They gave me a link to go and said share it with the lender. The link stated that VA guarantees XXXX % of new purchase and refinance if the veteran is credit worthy. When I mention this to the XXXX at US Bank she then said it was " company policy '' not to lend more than XXXX % of the market value on refinances. Yet, the VA was still guaranteeing XXXX %. I sacrificed my life for OUR country and was injured in the process. Yet, US Bank felt the need to restrict my benefit and hold me down. For what reason??? The only reason I feel this was down is because of my race, gender, marital status, age, and zip code. When the Rep did not change her position on the XXXX % after I reminded her that VA guarantees XXXX %, I realized something was not right. I told her that I no longer desired to do business with US Bank. Then I get a letter in the mail which really angered me. It was from US Bank and it stated that they was denying my request to refinance my home loan due to " Lack of Collateral ''. This made no sense at all. My home is my collateral. Luckily for me, I found a financial institution that refinanced my home loan, a few days ago, at XXXX % and I even received a better interest rate. I did n't have to pay any additional fees either. They only looked at the market value of my home and my ability to repay the loan. They would have also paid for the appraisal if US Bank had not already made me pay for it. And, they honored my service to this country which I 've helped to defend so that they could do business. No one came up with some arbitrary XXXX % to try to exclude me from a benefit that I earned and deserved.

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 01-08-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief