milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Closing/Cancelling account

Complaint: Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}

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 08-05-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NJ).
Issue: Account opening, closing, or management

Complaint: For over a year, Synchrony Bank has been issuing unsecured credit in my name. After countless letters and documents, the Bank continues to provide credit inquiries and harass me regarding its inappropriate and questionable behaviors. In XXXX XXXX the Bank opened a fraudulent XXXX account. After working through the tedious process the Bank sent me a vindication letter dated XXXX/XXXX/XXXX that stated, " Our investigation of the account has been completed, and the claim has been resolved in your favor. '' I trust that American public had to eat the charges as I am sure the Bank took the loss as a tax deduction. On XXXX XXXX, XXXX, I received a collection call regarding this account ; whereby, a collection representative attempted to make me pay for a {$660.00} jewelry item purchased at XXXX 's during XXXX XXXX. Synchrony Bank is a ruthless. As an identity fraud victim every other bank has acted in an understanding way.

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 12-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Fraud or scam

Complaint: Bank Of America at XXXX XXXX, in XXXX Florida received a wire from my bank on XXXX. The wire was executed based on fraudulent information provided to me from the deposit customer ( XXXX XXXX ) of Bank of America. The minute I figured out I had been scammed by the Bank of America wire recipient, I contact my bank to ask for the wire to be returned. Bank of America took 7 months to respond to my bank request, confirmed the beneficiary was still an active customer, and has since refused to cooperate in sharing information regarding their customer, customer relationship, or the wire or funds available to return the money to me. I informed the bank that one week before their customer opened an account at Bank of America, she had been arrested on credit card fraud charges in XXXX. 


Bank of America took until XXXX of 2016 ( 7 months ) to execute a hold harmless agreement and respond to my bank 's inquiry for account and account holder information. When Bank of America responded, they said the wire fraud perpetrator was still a customer of theirs but refused to return the money. They have since refused all contact with my bank. I have a police case filed in my home county and in XXXX. I have the BofA customer name, address, phone. But I am still out {$15000.00}. 

This wire scam included XXXX VERIFIED victims from XXXX XXXX to XXXX XXXX, 2016 with over {$520000.00} in known wire fraud amounts for these victims. I have names and address for a total of 82 persons who were ACTIVELY being victimized by the same wire fraud group called XXXX XXXX during the scam period. But the FBI and Police both had, and still have, zero interest in the case. Why? 

A XXXX Police booking sheet on the Bank of America customer, and an XXXX form, are attached to this XXXX  complaint.

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 06/23/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request. 
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX. 
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it. 
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts? 
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit decision / Underwriting

Complaint: I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Unsolicited issuance of credit card

Complaint: XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.

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 04/23/2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX Asst Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX/XXXX-unauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXXXXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in  XXXX  of this year I informed the cre dit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.

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 03/31/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Payday loan debt) with BTH Management (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.

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 11-04-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other

Complaint: I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I had a mortgage with Bank of America back in 2012. My loan was modified by Bank of America however there was a clause that I would take on an additional XXXX dollars. Bank of America added on XXXX XXXX onto my principal balance and for no specific reason except that they could at the time. They told me If I wanted a modification on my loan I had to take on an additional XXXX dollars. They are acting with fraudulent behavior to charge me for something I never received. I would like this amount credited to my existing loan, since it was a interest only loan. I was paying them interest on top of the additional XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Delinquent account

Complaint: This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.

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