milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service ((CD) Certificate of deposit) with STATE FARM BANK, FSB (IL).
Issue: Account opening, closing, or management

Complaint: I opened a traditional IRA for {$6500.00} with State Farm Bank in XXXX XXXX, for tax year XXXX. The agent erroneously identified the account as a rollover. I did not notice the error until this year when I did my XXXX taxes. When I asked the agent to correct the error, she said it was too late and that I should instead amend my XXXX tax return. The bank offered to reimburse me for the nearly {$2000.00} in additional income tax, but not for any penalty or interest, nor for the additional tax I would owe for XXXX on the {$2000.00} reimbursement. I have repeatedly asked why the bank ca n't just issue me a form XXXX for XXXX, which I understand would cost them only a {$50.00} late penalty rather than {$2000.00}. To date, the only reason I have been given is that the deposit was " coded wrong. '' I do n't see anything in IRS regulations to prohibit issuance of a XXXX form XXXX now. To complicate matters, the bank decided to change the {$6500.00} IRA account I opened in XXXX XXXX, for tax year XXXX, as being for tax year XXXX. Any assistance you can offer to resolve this mess would be appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX separate medical debts, Syndicated Office Systems, LLC, which does business as Central Financial Control ( CFC ), reported to credit without providing me the opportunity to dispute the debt or failed to validate the debt before reporting to credit. There was no communication at all from CFC on a number of accounts. I was not aware of who CFC was until I pulled my credit report and found the impairments on my report. 

When my attorney attempted to contact CFC to discuss the impairments, they refused to speak with him, despite having been provided notices of representation. CFC appear to be improperly using HIPAA as a shield to avoid responding to consumer disputes. CFC claim they can not comply with the validation requirements of the FDCPA without a HIPAA release, contrary to the exception language in HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with UMB BANK, NATIONAL ASSOCIATION (IL).
Issue: Payoff process

Complaint: I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here 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 non-monetary relief
Consumer complaint received 04-12-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. 

I have no idea what this is about, I just want it to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with Suttell, Hammer & White, P.S (WA).
Issue: Billing disputes

Complaint: After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I RECEIVED A HOME LOAN MODIFICATION PACKET FROM WELLS FARGO IN XXXX XXXX. I CALLED TO INFORM THEM THAT I DID NOT REQUEST A MODIFICATION WANTED TO ENSURE THERE WOULD BE NO FUTURE ISSUES. I CALLED A SECOND TIME AS VERIFICATION, THE REPRESENTATIVE INFORMED ME THAT I WAS NOT AT LIBERTY TO REQUEST THE REMOVAL AND MY MONTH MORTGAGE PAYMENT WOULD INCREASE IN XXXX XXXX, IN ANTICIPATION THAT WELLS FARGO WILL BE PAYING MY HOMEOWNERS INSURANCE BEGINNING XXXX OF XXXX. I EXPLAINED TO THE REP., THAT I DO NOT ESCROW AND I PAY MY OWN TAXES, AND INSURANCE. THE ONLY TIME MY ACCOUNT WAS IN ESCROW WAS WHEN I ATTEMTPED TO MODIFY MY LOAN, A PART OF THE PROBATION PROCESS IS YOU INSURANCE AND TAXES MUST BE IN ESCROW. AT SOME POINT I DECIDED I DID NOT WANT TO MODIFY, RESCINDING THE REQUEST AS WELL AS MY ESCROW ACCOUNT. WELLS FARGO ACKNOWLEDGED THEY DID RECEIVE THE NOTIFICATIONS, AND REMOVED THE ESCROW. HOWEVER, DURING THE PROBATIONARY PERIOD FUNDS WERE ADVANCED TO PAY MY INSURANCE AND TAXES. BECAUSE I DID NOT WANT TO ESCROW MY ACCOUNT A TWO YEAR PAYMENT PLAN TO BEGIN IN XXXX, XXXX ... WAS INITIATED. IN XXXX OF XXXX I CALLED W.F. AGAIN HOPING TO GET A RESOLUTION I SPOKE WITH A XXXX ... XXXX XXXX. XXXX XXXX. ISSUE STILL WAS NOT RESOLVED ... IN XXXX I SPOKE WITH XXXX XXXX XXXX, HE ASSURED ME THE PROBLEM WAS FIXED, MY MORTGAGE PAYMENT WOULD REMAIN THE SAME {$760.00}. I GET MY MORTGAGE STATEMENT MY PAYMENT WAS {$1000.00}. I CALL HIM AGAIN, HE STATED HE WAS WORKING ON IT, AND PROBLEM WILL BE RESOLVED. I GET MY XXXX. STATEMENT ... .STILL {$1000.00}. I CALL AGAIN, THIS TIME I SPEAK WITH XXXX, SHE STATED SHE WAS WORKING ON THE CASE, AND WOULD HAVE AN ANSWER IN 14 DAYS. 14 DAYS GO BY, I CALL AGAIN ... THIS TIME I SPEAK WITH XXXX XXXX XXXX. SHE STATES SHE SHOULD HAVE AN ANSWER IN 7 DAYS, 7 DAYS GO BY SHE IS OFF OF WORK. THEY ARE BEYOND GIVING ME THE RUN AROUND. I WALK INTO WELLS FARGO IN XXXX, TEXAS, I SPEAK WITH XXXX.. HE CALLS THE MORTGAGE DEPARTMENT, WHO EXPLAINS TO HIM THAT THE ESCROW ACCOUNT CAN NOT BE REMOVED BECAUSE W.F. PAYED MY INSURANCE IN XXXX ... .I FAX A COPY OF COVERAGE TO THE MORTGAGE DEPARTMENT. I SPEAK TO XXXX WHO CLAIMS SHE SUBMITTED A DOCUMENT TO THE ESCROW DEPARTMENT TELLING THEM TO REMOVE THE ACCOUNT. SHE ASKED I GIVE HER 3 DAYS, 4TH DAY SHE IS OFF. IT IS MY BELIEF THAT WELLS FARGO IS UNDERHANDEDLY TRYING TO FORECLOSE ON MY HOME BECAUSE I AM A XXXX PERSON. MY TAXES ON MY HOME ARE PAID, MY INSURANCE IS UP TO DATE. THERE SHOULD BE NO REASON FOR THEM TO ESCROW MY ACCOUNT. I AM REQUESTING A FULL INVESTIGATION INTO THESE ALLEGATIONS.

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 05/21/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone

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 06/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Good afternoon my name is  XXXX   XXXX  have been a custom er with Wells Fargo  for a year or so now never have I overdrafted my account because I thought I understood the rules regarding debit cards in that you can not take money off of a card that does n't have funds available.  Wells Fargo  is claiming because it 's a reoccurring charge on my debit card they are allowed to process it and then charge me an overdraft whereas th e three ti mes before this the charge would be denied and then I would settle the problem with my insurance company however all the sudden the company has decided to charge me a {$35.00} overdraft fee when I have never had the problem before. I tried to call their customer support line and they told me because it 's a reoccurring charge it does n't matter that it was on my debit card their allowed to process it pas t   XXXX   a nd then she literally told me well if you can do anything else about it go to a different bank good luck and then she hung up on me very rude ly. Wells Fargo i s not a good company all they do is try to hurt their customers please impose a consiquence.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bank of America allowed someone to access my credit reports with XXXX and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. It is likely that BOA is the source that has allowed these criminals to act using my credentials. BOA called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. XXXX failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that BOA is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.

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