milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On X/XX/17 I attempted to log on to my credit card account as usual ( to track purchases ) but was denied access unless I provided my annual income. I am a 20 year user of this card with no missed payments and a lot of credit I have never used. I saw no reason for their needing information regarding my annual income except to target me for credit increase offers or other offers. I explained I did not currently want either. If I were to initiate a request for a higher credit cap, I would certainly understand their needing my current income ; otherwise, especially given my record with their company, no. I will be closing this card and leaving Capital One. Extremely disappointed in this approach to a longstanding customer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (I do not know) with Crown Holdings, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was looking over my TransUnion and XXXX credit reports on XXXX XXXX when I realized that I had 2 hard inquiries on my TransUnion credit report. One of the hard inquiries that is on my credit report ( XXXX/XXXX Inquiry XX/XX/2017 ) should not be on there and I have no idea what it is in regards to or about. It was not me. I have enough negative things on my credit report and would like to have good credit one day. I am sending the company 's name and address below that has given my name a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( 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 12/24/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have requested validation of the account that has been attempted to collect on from this collection agency and I have not received anything back by postal mail. It has been well over 45 days since the original request was sent. I requested this to be done back in XXXX 2017 and I have not received any correspondence as of yet. It has been approximately 23 weeks and 5 days. The collection amount is listed on my credit monitoring site for {$220.00} and I was never made aware of such debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My wife has been hospitalized in XXXX from XXXX XXXX until XXXX XXXX. My wife is XXXX ill and will never be able to work again. My mortgage is with Select Port Folio. 
I have submitted several modification request with financial for the last year. I do not want to lose my home. Please help me to keep my home and lower my mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. Please help.

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 07/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America completed my loan modification on XXXX XXXX, 2013 after taking 31/2years. Bank of America faiked ro bring my loan current hnder the terms if the modifications and also failed to brring my escrow account current undsr the terms if the modification. Bank of america has refuses to correct their fraud after many many certified requests. Bank if America has also failed ro report my loan accurately to all XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received mail stating that I owed two Capital One credit card bills. I did not open any credit card accounts with Capital One. I did not request to open a credit card account. I was shocked when I got the statements because I do know why or how they would even approve me for a credit card. They both show that they were opened the same time XX/2015. I have written to them letting them know that this must have been an Identity theft. The only charge was cash withdrawal. I asked them to pull the documents so they could check the signature. I asked them to pull the video from the cash withdraw to proved that I did not open the accounts. I did not withdrawn any funds from these accounts. One shows a balance of {$520.00} the other shows a balance of {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I applied for an installment loan with Ace Cash Express for the amount of {$4200.00}. Ace Cash Express deposited the funds into my primary checking account on XXXX XXXX, 2015. 

According to the agreement, I am to make XXXX payments in the amount of {$270.00} with an initial payment of {$330.00}. The initial payment was deducted from my account on XXXX XXXX, 2015. As of XXXX XXXX, I had repaid {$1100.00}. I contacted Ace Cash Express on XXXX XXXX to get a pay-off quote and I was informed that the pay-off through XXXX XXXX, 2015 is {$4100.00}. I 've complied with the loan agreement and made payments as scheduled, but only {$16.00} has gone toward the premium balance. 

I have ceased making payments until I can get a resolution on the interest. This is a predatory loan and I do n't think it is legal. I 'm seeking assistance for a resolution. I am not opposed to paying the loan as I have taken loans with Ace Cash Express in the past, but I was always in a position to pay the loan in full within a couple of weeks, so I did not realize that this Company specializes in predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing disputes

Complaint: Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is a fraudulent account XXXX/XXXX is reporting fraudulent charges.
XXXX XXXX is a fraudulent account.
XXXX XXXX  is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Late fee

Complaint: A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I wired via XXXX XXXX euros to Coinbase on the XX/XX/XXXX17 from XXXX All account details were correct. I have now sent Coinbase 4 messages to either have the fund created my coinbase account and more latterly to have them returned to XXXX. I have not recieved a response from Coinbase. Funds are usual created within 3 days - this transaction has now taken 8 days. I would very appreciate your help to have the funds returned to XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
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 monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.

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 02/19/2017 about Mortgage (Other mortgage) with CITY NATIONAL BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (AL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a payday loan from XXXX in XXXX. I was under the impression that they took the funds from account. However early in the year of XXXX my mom was contacted stating that a company had a warrant out for my arrest if I did not contact them. So I contacted the company handling the situation for XXXX XXXX. I told them I never performed any fraud and that XXXX had their money. They explained that they did n't and thatvi needed to pay ASAP. I informed them of the amount that I was able. The company stated that was not acceptable. I did pay them XXXX $ towards the debt. But they contacted all my references that I used and them that I performed fraudalant activities and was facing jail time. They call my phone at least XXXX to 30 times each day back to back. This almost cost me to lose my job.

Company response to consumer: Untimely response
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Using a debit or ATM card

Complaint: I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 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: Account status incorrect

Complaint: My auto loan has been open since XX/XX/XXXX. XXXX has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XX/XX/XXXX 4. Is current and paid satisfactory according to Bank.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a fraudulent account. This needs thorough investigation and the assailants convicted. I need this inaccuracy removed immediately. Multiple 'Demand for Verification docs as well as direct Credit agencyy contact has been to no avail and the Sheriff 's Dept can not do anything about it. TransUnion is a laughing joke of white privielge that never fixes their f ups either.

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