milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: C AP ONE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  Thi s inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: XXXX / XXXX /2015 Wells Fargo Bank Account Acct #   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  -   XXXX    Ca  XXXX  Soc. Sec #   XXXX   Personally went into branch and advised a customer service representative on site of the fraud to this account and the overdrawn amount that was displayed under my name.The representative agreed to have this looked into and reported the issue. Account was supposedly closed, yet I have been informed that it has been reported.
This account was defrauded from a lost check book and has now resulted in this account reported to   XXXX   XXXX   XXXX  . I am requesting that this account be removed as I am having major issues trying to open a checking account with financial institutions.
The amount of {$1100.00} should be corrected and removed from my obligation do to the fraud that I reported to the institution.

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 04/13/2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Can't stop charges to bank account

Complaint: I have use Speedy Cash SC before for short term payday loans ( XXXX ) XXXX. The last loan I had with them was in XXXX of XXXX. I had the loan deposited into my XXXX XXXX Account but i paid the loans using my XXXX debit card so it was done automatically on the XXXX of the month. Recently, I logged into my account and noticed I had XXXX debit card payments to Speedy Cash on XXXX/XXXX/XXXX for XXXX and another on XXXX/XXXX/XXXX for XXXX. I called the company and told them I had not taking out a loan in several months so I was not sure why they had those debit payments. I called my back and filed a claim for unauthorized account activity. They said I had to follow a police report and make a copy of my photo ID to recovery funds. I believe someone accessed my information without my consent and used it fraudulently ; I had no prior contact before this time from Speedy Cash in regards to money I owed or new loans as I paid the last loan off in XXXX.

Company response to consumer: Closed
Consumer complaint received 05-11-2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (WA).
Issue: Managing, opening, or closing account

Complaint: I have a Citi prepaid XXXX card that was part of a promotional " rebate '' program from some auto parts I bought. It expired XXXX 2016 and I lost the remaining XXXX {$30.00} on the card. I called to see if they would reissue, and the agent said they could do it once, with a new card that works for 6 more months. She said they would not reissue again. I told her that according to the CFPB site, prepaid card funds are good for 5 years. She replied " that was for gift cards only. '' I responded that the CFPB site says " prepaid debit cards '' are included. She said that the card was issued in a state with different laws. I told her I knew she was only reading off the screen, but Citi is wrong. I think they are operating outside the law, and likely a class action lawsuit is in order depending on the scale of the problem.

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan modification,collection,foreclosure

Complaint: In early 2012 we went through difficult financial situation and were left with XXXX income for almost 12 months. Our first priority was to keep our m mortgage paid and to keep our house during those hard times. We have been in the house for 10 years and and we have our XXXX mortgage with Wells Fargo Home Mortgage. First thing we did was to turn to our mortgage company looking for assistance and modification of our loan by lowering our rate which was 5.65 %, higher that rates in the country so we can lower our monthly payments of {$2800.00}. 
On XXXX XXXX 2012 we received a letter explaining modification process and documents needed. I also received a phone call from XXXX XXXX, Home Preservation Specialist with Wells Fargo. 
She was assigned to our case. At that time our mortgage was current - as I stated above, we have been trying to pay mortgage first and keep our house. First advise I received was that we can not qualify for modification as long as our mortgage is current. We have to be behind in order to start the process. So we, believing in good intentions of our mortgage company for 10 plus years, stopped payments. They also assured as that the process will take up to 30 days, so we will be only one or two payments behind. 
This is completely misleading and fraudulent advise!!! 
The process stretched out for 6 months, Wells Fargo claimed that they did not receive necessary documents which I was resending and resending by Fax and in XXXX XXXX, 2012 we received a letter from XXXX XXXX, that she can not help us any longer and they will start collection process. At that point, we are significantly behind our mortgage, they start talking about foreclosure so we are in panic notion. 
Meanwhile, they reported us to all credit agency, out credit become completely ruin and being in hardship it was impossible to make up all late payments. 
We continued talking to Wells Fargo, now with a manager, named XXXX XXXX, which advised to re-start modification process again. 
Left without any options, we did so and start making catches up payments toward the mortgage. It took them another 6 months to come up with agreement which denies our request because even with one income, we still can afford to pay. 
So after a year, we ended up with monthly payment of of {$3800.00} instead of {$2800.00}, same high interest rate, ruined credit history, so they make sure we are not able to qualify for any refinancing with anybody. 
I did complained to XXXX 's office of Wells Fargo, but nothing come out of that. 
So we are now in forth year of bearing consequences of bad credit, not being able to obtain any loans, credit cards, refinancing etc. 
We believe that Wells Fargo defrauded us whether this was done intentionally or out of incompetence and we are looking for compensation.

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 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was enlisted in the XXXX in XXXX, someone put my name on an apartment lease in XXXX. The original creditor shows no rental history for me, I sent that verification along with the verification that I was XXXX at the time this " lease '' that nobody has a record of was initiated. Yet the collector still will not remove it from my credit and this is keeping me from renting an apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has ignored my desire to correspond and get details on how they continually verify XXXX liens in the public records section of my file. Initially they somehow kept verifying these liens as mine at my current address, which is not accurate. And now they are claiming that the liens are mine, only at another address, where I do not even live ... They are only communicating through this portal and not answering any of my letters where i am asking them to properly investigate this and see that that my mother lives at that other address and we have the same name. They ignore me! I have spent so much money at my local XXXX post office sending endless letters via certified mail with XXXX requested back and yet they keep sending me the same ridiculous response which makes no sense. XXXX and XXXX have removed these inaccurately placed liens on my files with them, what is Equifax seeing that they have not seen? I think that they are doing illegal verifications so they do not accept responsibility for their inaccurate reporting. Equifax takes advantage of its consumers and i will hire an attorney if these liens are not removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Phone call made to brother with a message on ans machine including personal info ... complaint about to be filed, case #, just things I did n't think was appropriate or a answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They  are misrepresenting the balance to double the actual amount. I have  one  debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.

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 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stephens and Michaels Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show a past due amount minus the amount I paid. This is unacceptable. I would not have paid a dime unless the item was going to be fully removed. 

I have filed a complaint with my credit card company as well. The call was recorded and I am very clear on what I agreed to with the company. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I called nationstar and advised them that I was XXXX XXXX XXXX due to XXXX and could n't afford the payment and asked could they refinance my loan and they said no. I then applied for a loan medication and nationstar advised they would review my application and get back to me. I would call for a status update and was told that they are still reviewing my loan modification application but would get back to me within a few months. Each time I called they would tell me the same thing. or they would n't return my calls. They finally advised me that they could not approve a loan modification for me because they previously gave me a loan modification. Well now I 'm behind and now about to be foreclosed on. Nationstar new from my very first call that they had previously given me a loan modification, if they would have told me in the beginning that do n't do more modifications instead of having me wait month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN TH E : F.C.R.A  . 15 USC 1681A ( g ). ( see  XXXX  letter )

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with 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 explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NM).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

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 01/31/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: Bought a lawnmower from Lowe 's zero interest for 6 months, received first bill and noticed it was to be sent to Lowe's/Synchrony bank in XXXX, FL so sent payment right away received second bill and sent it right away did not receive third bill and did not notice until I received a bill the next month and a {$25.00} service charge had been added did not receive a bill the next month which was XXXX but did get call XXXX XXXX from Synchrony ( a foreign person who was very hard for me to understand ) saying I was in arrears again and would be assessed another {$25.00} if I did not pay by credit card or at the local store that day or the next so told her I would. I did pay at the local Lowe 's the complete loan as can not afford to pay a {$25.00} service fee each month. Then I went online especially XXXX and found XXXX ratings on there with a XXXX star rating and most with same problem I have had with them. I think this company ( Synchrony ) of XXXX, FL needs to be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I wrote check # XXXX ( Bank of America ) from XXXX XXXX XXXX, XXXX in the amount of {$730.00} to XXXX XXXX. I discovered on about XXXX/XXXX/16 that XXXX XXXX " put a XXXX '' in front of the XXXX on the numerical portion XXXX the check and cashed the check. The teller " failed '' to read the check and see that the hand written portion of the check stated XXXX XXXX XXXX XXXX dollars. The check was chased for {$1700.00}. I went to Bank of America branch in XXXX, AZ to ask fora {$1000.00} credit for " teller '' error. The local B of A person told me that they could do nothing and that I had to file a police report and then call their Fraud department and that due to the Teller error B of A would credit back the {$1000.00}. I filed the Police report - XXXX case # XXXX ; and then called the Fraud line for B of A ( XXXX ) I spoke with XXXX and was told that since the check read XXXX XXXX XXXX XXXX my account would be credited with {$1000.00} within 24 hours. Two days later my account had not been credited so I called to find out when it would be credited. 
I was told by the Fraud line representative that since the check was " cashed '' and not deposited that B of A would not credit my account the {$1000.00} and that it was my problem to collect the {$1000.00} from the recipient. I asked to speak with a supervisor or decision maker and was told there was no one who could help me or change this decision. 
I am asking fora credit back to my account for the fraudulent {$1000.00} that the teller failed to identify.

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 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my account. I was incarcerated during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.

Company response to consumer: Closed with explanation