milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I Did NOT purchase the area rug that was delivered to my residence. 
Since I did NOT purchase this particular area rug, I returned it to XXXX XXXX. 
I will not pay for something I did not purchase, and CapitalOne has an obligation to protect my rights under the FCBA. 

CapitalOne keeps going in circles around the crux of this matter and does not address the fact that the merchandise is in the possession of XXXX XXXX. 

The Law is specific in that I do not have to pay for something I did not order. And as a matter of fact, an email has been submitted to capitalOne from XXXX XXXX admitting that they do have possession of the area rug. 
Shame on CapitalOne for not following the scope of the law and various statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo has acknowledged receipt of all documents to make a complete package as of  XX/XX/XXXX . I have continued to recieve " missing documents '' letters even though my agent is calling in every 48 hours. On  XX/XX/XXXX  she was told this was submitted to investor for approval, but as of today she was told it was not submitted, there has been no movement on the file, and there are squatters that continue to enter the home which is a problem. We have a buyer who has offered a price that the bank has said they will accept, but as an FHA file, my agent tells me we are needing a doc called an ATP ( approval to participate ) and no one at Wells seems to even be aware of this document or even the process. They have told me there are no timelines they have to abide by and this CAN NOT be correct.

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 05-05-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been consistently encouraged to put my loans in forbearance since 2012 when i first returned to XXXX College and then XXXX University XXXX to school, despite the fact that i am currently low income and have been for several years. I was never offered the opportunity to base my repayment amount on my income level, or informed that there were options available that would limit or eliminate the amount of interest accrued on my loans over time. I was also never offered the option of consolidating my loans. The push was consistently toward forbearance and interest accruing repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing disputes

Complaint: I have a Lowe 's credit card, that I have used for home improvement supplies. I am satisfied with Lowe 's customer service. But who is Synchrony Bank?? My first payment was {$88.00}, which I never saw deducted from my bank account, but was posted on Lowe 's website. I had a message from Synchrony bank that my payment was " returned '', even though I did not write a check, and I did not see it on my bank statement until I went to the store to pay it. This month I paid my due amount on the due date but I do not see it on my bank statement, it was posted on Lowe 's website. I sent a message regarding this silliness. but have not heard back. I asked if I needed to verify my bank information, but have not heard back. After pressing 1, pressing 2, whatever, I did not get to talk to a human. I have a credit card at XXXX, and it apparently my payment was easily done. I tried to call Synchrony to ask where is my Lowe 's payment?, in the cyber vault? I am a XXXX veteran, with a functioning concept of duty, and I have an excellent credit rating. 
I am waiting for a response to my e-mail question. If I could, I would pay the whole thing at Lowe 's and shop there without a credit card. I am going to try to do that. I have no problem with Lowe 's, but Synchrony is too big to care and even respond. My bank is a local bank and has never disappointed me. They seem to care about their customers.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In violation of cra act Inaccurate credit reporting All these inquires

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 08-06-2017 about Debt collection (Private student loan debt) with EQUIFAX, INC. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In XX/XX/XXXX i filed for Chapter XXXX Bankruptcy, 4 years later i still was struggling and became homeless with XXXX children, it was at that time I converted my Chapter XXXX into a Chapter XXXX Banruptcy in XX/XX/XXXX which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the XXXX credit agencies, XXXX, XXXX and XXXX which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically Equifax as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why Equifax keeps doing this even after i have continued to provide documentation to the to correct these errors..

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to put initial Fraud Alert on my credit with Equifax. 

First tried calling - XXXX - get past first entry, but when trying to enter social security number, I receive an error, whether I try to enter it verbally or by key entry. Told to either go on-line to alerts.equifax.com or mail it in. 

Second - on alerts.equifax.com I enter all required data, click accept conditions and enter and then get a screen saying system is currently unavailable ( try again or click to print a request form ). 
Have tried many times with different browsers, all give same results. 
When I click on print request form, I get the wrong form ( extended alert form ). 

A company of this size with a problem as visible as this should not have these kind of problems.

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 EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX  XXXXXXXXXXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX Collections- XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX {$59.00} XXXX/XXXX/XXXX XXXX {$280.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing outside California attorney " XXXX XXXX '' made threats that if I did n't respond to his clients {$750000.00} none negotiable loan modification offer in less then 2 days his client would proceed with the fraudulent trustee sale that was taking place in just a couple of days. Attached is email communication. In addition, I have email communication of California attorney " XXXX XXXX '' harassing me, accusing me of never mailing off the down payment, he also accused me of never putting the pretender lender loan servicers loan number on the cashiers check. If CFPB would like a copy of that email communication just let me know. Also, I have telephone communication voice recording proving Ocwen Loan Servicing representatives enjoyed harassing me, placing my call on hold for hours then forwarding my calls to a credit card advertisement company. If CFPB would like a hardcopy of all Ocwen telephone communication please let me know, I will put it on a disk send it off to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I was informed of a breech of Equifax 's service affecting 143 million users. The page they provided told me my ssn, drivers liscense, home address, name could be compromised. I have put a 90 day watch on my credit but my private data is now considered public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditors sold debt to several collection agencies without notifying me first. This is violation of my privacy. Creditors also listed false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My credit card statement for XX/XX/XXXX stated my total balance due was {$1800.00}, which I paid by check and sent it in well before the XX/XX/2017 deadline. My credit card last four are XXXX. Recently I received another bill stating I owed additional money. When I called the company, Friday XX/XX/17 at XXXX XXXX EST I spoke with XXXX and then a supervisor named XXXX who both stated I owed interest after my payment. They refused to remove the charges. This is clearly misleading billing. 

Please find attached a copy of the disputed monthly bill from FNBO. My point is the bill clearly states the total balance ( New Balance ) due. If I call Customer Service to make a payment by phone, the voice prompt asks if Id like to pay the bill in full ( Statement Balance or Current Balance ), which is identical to the amount shown on the statement. There is not an option on the paper bill or by phone to pay the now claimed higher total amount due. 

It is very unclear where FNBO claims they disclose the total amount due is NOT the balance due on the paper statement or by voice prompt via Customer Service dial in telephone. How, where and why do they disclose that a future payment will be added. I am stating the billing practice is not fairly disclosed and they should not have the right to bill me more after I pay the Amount Due/Statement Balance/Current Balance. In every portal to communicate with the company ( website, paper statement, voice call to recorded machine ), the expected amount due is not listed, but rather the amount due that I paid. 

Lastly, it is not true that the company could not or was unable to post the expected amount due as my balance was very, very predictable and so was my interest charges. 

It is extremely misleading and I feel very unfair. This is fifth grade algebra. Please help me to ensure this misleading billing practice is discontinued.

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 06-06-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is   XXXX   XXXX  . I am a loan officer with   XXXX   XXXX  . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by   XXXX   XXXX   XXXX   XXXX  . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to   XXXX   XXXX   ( despite the fact that   XXXX   XXXX   has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am writing in regards to my credit report Inquires. My computer was stolen early last year in XXXX. Ihave been turned down for credit because of the quanity of inquires that are on my credit report, these are inquires that I have no credit with these companys, and never made the inquires. My computer that was stolen had all my information on it and all the passwords.Here is a list creditor first then the date the inquirey was made. 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/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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ... .All of these I do not recognize and did not make make them there are duplicates and triple times put in for XXXX creditor Please delete from my report.

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