milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: I began the process of refinancing with Wells Fargo in XXXX. It is now near the end of XXXX and they are requesting that I pay {$1000.00} to extend my locked in rate. They have already required me to extended it at least twice and the fees continue to add up. I have been extremely responsive when they have requested documentation ( normally turning around documents in less than 24 hours ). There have been multiple delays in the processing and they point the blame on others and take no credit for their ineffective process. On the occassions where I was able to speak with someone, I was told that it was company policy and they would not cover the fees to extend the rate. I should mention that I currently have my loan with them and I am looking to keep it with them. 

There seems to be little interest in keeping me as a customer. Their customer service has been poor at best. I am now faced with paying {$1000.00} or discontinuing the process and throwing away the money I 've spent on getting my home appraised.

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 10/29/2015 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is in regards to original case XXXX, Bytheir own admission, the collection agency reported they were uanble to find an account linked to me ( document attached ) yet they have not removed this item from my credit report. They have not responded to the previosu case number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with Colony Brands, Inc. (NY).
Issue: Credit line increase/decrease

Complaint: This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.

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 Experian Information Solutions Inc. (SD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/XX/17 I learned that experian allowed my personal information to be stolen. Terrible

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 11/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax continues to report inquiries not authorized by me and refuses to properly investigate with the sources as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Payday loan () with Delbert Services (AR).
Issue: Charged fees or interest I didn't expect

Complaint: I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I checked my credit report and found that these companies submitted a request to view my credit report without my consent due to online applications filed in my name. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

The fraudulent inquires are from : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 06-05-2015 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Other

Complaint: A credit card I have no knowledge of is showing on my credit report as delinquent and charged off. I disputed the credit card with both XXXX and XXXX credit reporting agency and got a response saying that the card is charged off and would be on my credit report for 7 years. I did not apply, use, pay or have knowledge of this debt. Not sure who did this. There was a history of good payment history as to why I did not know of its existence until whomever stop paying and I started getting negative letters when applying for other credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: American Express charged me a {$3.00} XXXX processing fee for an item I purchased from an XXXX company. I was never informed, in advance, that I would be charged this fee and I did n't authorize it. American Express refuses to credit the fee and is insisting that the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (I do not know) with Lionstone Holdings Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank XXXX. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 
1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in XXXX 2014 and therefore I am thinking this was predatory lending Plaza Home Mortgage. Which they have been cited for in the past as well XXXX. 
2. Our PMI is at 1.72 % of the loan which does contain {$20000.00} of construction, it is a XXXX streamline loan, so the base loan is XXXX. If I am correct it should be on the base of XXXX and not the XXXX ( which includes the construction loan ). 
3. The rate for the PMI should have been between 1.30 % and 1.55 % for 2014 which is when the loam closed. We are at XXXX of the full loan. 
4. We are advised that a company called XXXX XXXX XXXX XXXX, would see us face to face because Plaza did not desire to foreclose on us but we never met with the company and after calling Plaza a few time I was never given a number for them, I was told I had to wait for them to come to me. We then received a letter that we were assigned to a law foreclosure group, that was notorious for robo signing of foreclosure mortgages in Florida. 
4. I was laughed at by Plaza Rep when I advised them we are working overtime and such because we wanted to save our home, " how long are you going to keep that up for '' ( if the conversation was recorded by the company feel free to look into it XXXX by XXXX XXXX. I guess XXXX people should give up and not own property because we lack work ethic is what I gathered from XXXX XXXX, which is why moving forward in XXXX with the additional appeals I felt we would be denied regardless of what we submitted, and here we are now5. The calculations on the property taxes for the 2014 year was suppose to be XXXX divided by XXXX equal XXXX but the XXXX reflects XXXX per month. The new taxes hopefully will be roughly XXXX which would lower our responsibility. 
6. This is a FHA loan, we re paying a premium to insure that the bank suffers no loss if we default. WE in turn get nothing, why would they keep returning our payments, not sending out the representative they promised to help us and kick us out. WE want our home and we are communicating. 
I have ask for a XXXX mortgage forensic audit on this account and will seek legal avenues if we are not accommodated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Fraud or scam

Complaint: My XXXX-year old son bought a " pre-paid '' debit card " NETSPEND '' so he could pay for something on his own on the internet. Little did he know that he had to ( this is their wording that he found out when he could n't use it ) " provide your name , street address, date of birth, and other information that will allow us to identify you. We may also ask you to provide a copy of your driver 's license or other documentation as proof of identification. Approval of your request for a NetSpend Prepaid Debit Card requires passing our identification verification process. Residents of the State of Vermont are ineligible to open a Card Account. '' All as part of Patriot Act/Anti Money Laundering requirements. I work for a financial institution that follows these regulations ; NetSpend requires someone to " Open an Account '' and thus in that manner they require the " know your customer '' rules. Thus many people do n't want to give this information and never can use the card when they think they are purchasing a prepaid CREDIT card. My son only got bilked out of {$10.00} but there 's instances all over the internet of {$100.00}, {$200.00} and {$300.00}. At my bank we do n't let someone give us their money and " open an account '' account they then ca n't use. They know up front that they will provide personal information ; if they do n't want to provide the information, then they walk away. NetSpend is violating consumer laws by not providing disclosures to customers, or at least making them aware of the depth of the requirement at the time of the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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