milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Rewards

Complaint: Capital One discontinued my benefit of a Year End Statement Summary associated with my MasterCard, without giving written notice or informing me of the option to opt out of this change by cancelling the card 45 days before the change went in to effect. While attempting to resolve the issue with Capital One I was informed that the Year End Statement Summary would only be provided upon request, and when this service was requested by me, I was informed that it had been discontinued. This is a significant change in my and others opportunity to benefit from the use of this service.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Diverse Financial Enterprises (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.

Company response to consumer: Untimely response
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Unauthorized transactions or other transaction problem

Complaint: On the XXXX of XXXX XXXX at around XXXX i noticed that i misplaced my wallet along side with my XXXX XXXX XXXX, so, i called my number but the person who took it refused to pick up, so i sent a text which i knew pretty much that he can only be read but he cant reply because of the security code on it, but surprisingly he responded, so i pleaded with whom ever is involved to returned my stuffs back with the promise of paying him or her any ammount he/she needs, he greed to take {$300.00}, but i pleaded to the extent of {$50.00}, which he agreed, so he concluded to meet me up at XXXX XXXX on XXXX XXXX, when i drove down there, i couldnt find no one, and i cant call because i was using a XXXX account which uses wifi, so after waiting for some time, i decided to go home back, on my getting home to get an internet coverage, i received his message saying i should get my wallet and phone at a clothing and shoe donation can at XXXX XXXX by XXXX XXXX XXXX, which is 2minutes away from me, on my getting there, i found it, i saw an alert on my phon of {$260.00} which as been deducted from my account with my debit card with XXXX which i do use to send money to XXXX , i called my bank immediatelyto file a claim, and i was been credited, on the same spot i called on the police to file a claim as well, which my claim number is XXXX XXXX XXXX XXXX XXXX. 

my name is 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 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.

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 01/17/2018 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to Experian and  XXXX  . This personal data included a government issued ID, bank statement with current addresses.
 XX/XX/XXXX - I received a letter from Experian and  XXXX  stating that I need to send the same information that was sent in  XX/XX/XXXX in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply.
 XX/XX/XXXX - I resubmitted the same information to Experian and  XXXX  and received the same response in via a letter in XX/XX/XXXX .
This has been an ongoing battle to with these   XXXX   credit bureaus to accurately update my personal information and no such luck.

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 02/14/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (VA).
Issue: Charged fees or interest you didn't expect

Complaint: The original loan was for {$500.00}. It has since almost doubled due to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with SYNCHRONY FINANCIAL (CA).
Issue: Making/receiving payments, sending money

Complaint: walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (FHA mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint centers on continuing communication problems with my Mortgage Service provider. Essentially the following has occurred 1 ) A total lack of response from my case manager after repeated calls as to the status of my application. 2 ) In my last application filed in early XXXX, and during my 2nd to the last conversation with my case manager, I was informed that my application was incomplete. ( small deficiencies. - I failed to check the box next to my signature in the XXXX Assistance Form proving that the signature below was indeed my signature ). 3 ) I then provided the remainder of the information in the application and sent this information by mail to my service provider. 

About a week later, I called my case manager and spoke with her, and she told me that the application was now complete. Several weeks passed with no response from the company so in XXXX XXXX I called my case manager to ascertain what was going on. I called several times and received no return call. Finally, feeling very frustrated, I called and asked to speak to someone about what was going on. This person looked up my file and told me that the additional information was n't received, and that to my utter dismay, I learned that my file was closed!!! 

This person said that I 'should ' have sent my application by email, not mail. The essence of my complaint is the ever changing rules regarding methods of communication. That I could send my application by email was new to me. In the past, I have always sent information to the company by US Mail. 

If I am allowed to send my applications by email, why ca n't I communicate with my case managers by email? The Servicer, wo n't allow case managers to send or receive email. 

This company has changed their processing rules so often that it is nearly impossible to communicate efficiently. We live in a digital world. It has now been five years working with this company to try to save my home. In the beginning, I was able to communicate by email with my case manager, and that rule changed about two years ago. 

The industry processing rules call for accessibility and a fast application process. 

Honestly, in the spirit of time, and consistency, I ca n't fathom why the company wo n't let case managers send and receive emails, except that the corporation does n't want to have any real records of what transpires between Mortgage holder and case manager. 

This company has done everything it can to make the application and review process an entire tangled web of ever changing attitudes completely counter to the spirit of a quick review process and resolutions to customer needs. 

This company has demonstrated time and again that it will do anything to confuse and obfuscate the mortgage modification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On Wednesday, XX/XX/XXXX I spoke with the XXXX department with XXXX. They indicated that an individual applied for a credit card with XXXX and used my name, XXXX XXXX, and my land line phone #, XXXX, and my previous address, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX to apply for a credit card. The fraudulent information that was submitted was a wrong DL # and wrong SS #. Due to my conversation with the gal with XXXX XXXX Department ( XXXX ) the person who tried to get a credit card, their application was denied due to the fraudulent information provided. I am still very concerned about this, however. The credit inquiry on my Credit Report will remain for 90 days per the gal with XXXX. There is now a Fraud Alert with them as well as on my credit reports with all the Credit Bureaus. I did the Fraud Alert with the credit bureaus just about one hour ago. It 's now XXXX XXXX MT. There are a couple of other credit inquiries on my Credit report : XXXX XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX that are also Fraudulent. The one with XXXX, I previously reported in XX/XX/XXXX.  However, it still remains on my credit report and should have been removed after 90 day. Since I reported it, and it still is there, WHY? Thank you for all your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXXXXXX

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both Equifax and XXXX. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had accident while working as an employee XXXX. The medical bill was taken care off by workers ' compensation but later on i received a letter from a law firm stating i am responsible for another bill. I called the law firm and provided them with the workers compensation company, the name of the benefit counselor. I was told by the law firm that they just needed the name of the workers compensation, the billing code and everything would be resolved. I never heard from them again. 

I checked my credit report and found out that the said amount had been sent to collection in the new amount of {$230.00} and has damaged my good credit score. I never owed this amount. I have been unable to find a job in my field because of my credit score. 

I would like your assistance to please help with the removal of this negative report on my credit information. 


Thank you

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