milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This is an update to the recording of appraisal in public records. The public records department was at my home on Wednesday, XXXX XXXX, I spoke to them on Thursday, XXXX XXXX and XXXX XXXX assessor has confirmed the measurements of the appraiser, however he has found that the measurements are less than what the appraiser measured. His findings are XXXX square footage. He has informed me that it will be legally documented by XXXX XXXX, on that day I will receive a email from him with the legal documentation of XXXX XXXX of XXXX in Pennsylvania. Once I have the email I will then print it out and fax it to Wells Fargo and I will send it to the CFPB. XXXX XXXX also informed me that it will not be viewable on XXXX line until one week or so later. If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is 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 explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

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 09-08-2017 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: Equifax mishandled my personal information, including my name, Social Security #, address, birthdate, etc., resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX XXXX I called Experian and spoke to XXXX in disputes and advised her that i have reviewed my credit report and the same company is reporting the same account just under a different account number. She was not very helpful and told me that the accounts had been verified. I told the representative that all the information on the items are the same and that they just changed there name to XXXX XXXX from XXXX XXXX. She refused to assist me and said that all the information is correct and was very argumentative rather than helpful. XXXX XXXX XXXX XXXX account number showing is XXXX and XXXX XXXX account number is XXXX. the open dates are the same XXXX/XXXX/XXXX, phone number the same XXXX XXXX XXXX just one use a XXXX XXXX and the other a physical address. I know that this is not correct and can not report the same account under different account numbers. I would immediately need the accounts deleted from my credit profile.

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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My name is XXXX XXXX and I own XXXX XXXX in XXXX, MN. We have been continuously harassed by XXXX for a contract my agent XXXX XXXX supposedly signed at a real estate conference in XXXX XXXX. We started receiving statements in the mail for a service neither XXXX or I knew what services they provide. I received them at my office and started forwarding them back to XXXX because it clearly seemed like a scam to me. Several representatives started calling XXXX and than eventually me to demand we pay the balance. We stated numerous times we had no idea what this was for and that we wanted a copy of the contract. We never received it. 

We contacted XXXX around XXXX XXXX, 2016 to speak to a representative and were referred to a XXXX XXXX, a customer relations specialist ( XXXX XXXX ). She sent a copy of the contract to us and it was incredibly apparent XXXX 's signature had been forged and our company was listed as " XXXX XXXX ''. She insisted we send a copy of XXXX 's driver 's license so they could compare signatures. We told her we were not comfortable with that in fear we were being scammed. 

The case was referred to a collection agency who we told numerous times we had been scammed and would not be paying the balance. 

Recently, we received a letter from a Leviton Law Firm dated on XXXX XXXX on XXXX XXXX demanding we pay the difference. I drafted a letter back XXXX XXXX to a XXXX XXXX stating XXXX was an independent employee with no company ownership and was not authorized to sign anything on behalf of the company and that this was not a legitimate claim. Furthermore, that we did not want to be harassed any further on this manner. 

Today I received a call from a XXXX XXXX ( sp? ) XXXX Ext XXXX saying he was with the XXXX XXXX team threatening litigation. I advised we had no idea who XXXX was, had never used their services, and that we had been scammed. I asked if he even had a copy of the contract and he said no. It was clear his whole point of the call was to argue and not resolve the manner. Just do a simple XXXX search for this guy and you can see he 's a scam artist. 

I will not put up with these kind of threats and damage to our reputation. Please look into this manner ASAP with XXXX and the Leviton Law Firm. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.

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 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle loan) with GRYPHON CORP. (TX).
Issue: Problems when you are unable to pay

Complaint: when the debt was sold they never send me a letter stating how much was the debt sold for. I send the CA MAIN STREET ACQUISITION debt validation letter. They send me back copies, and I found numerous violations with account number no contact with main street identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this balance about 6 month ago, but it 's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification through Wellsfargo in 2014. Ileft several messages with them including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. Wellsfargo will not acknowledge receipt of my request for mortgage assistance. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. The package has been also been sent several times. I have also been making my payments but Fargorefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because my mortgage company refuses to communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  X/XX/17   , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On  X/XX/17    I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around  XX/XX/17   , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on  X/XX/17    again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around  X/XX/17   . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.

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 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Regional Acquisition Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone called me from Regional Acquisitions Group named XXXX XXXX, claiming that I owe {$1300.00} from an overdraft from XXXX ( he was unsure of the date ) he said from XXXX and that a group of lawyers has now been assigned to use their legal powers to seek judgment against me. He stated that he was able to reduce the debt to {$620.00} if I were willing to pay him, saving me money and going to court. I then said where can I call you at and he stated I could call him at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls began XXXX XXXX at XXXX. Then XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX, and today at XXXX & XXXX. I will be sending them a cease & desist letter like I did to XXXX XXXX, XXXX XXXX and XXXX XXXX. 

These are all robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day? On a weekend?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay mortgage

Complaint: This is my third complaint of how I am being treated by Bank Of America Home Loans Department. I received a nasty phone call from a representative from Bank of America. Her name is XXXX XXXX. Phone number XXXX ext XXXX. This representative from Bank of America spoke to me in the way that was very disturbing. I've been going through this battle with the Bank for over 2 years! It has been very hard to deal with. I am only trying to get a modification to lower my payments and keep my home. XXXX XXXX insist I can apply for a another modification but do not send any more documents to XXXX, Just to send my documents directly to her. Something is not quite about this request. Why doesn't Bank of America want me to send my documents to XXXX. XXXX has been such a big help to me. XXXX XXXX XXXX called me about XXXX XXXX Friday XXXX the XXXX. I later returned her phone call about XXXX. I gave Bank of America all the documents in which they insisted previously before. Even spoke with the appeals department to make any corrections needed, Bank of America still denied me a modification and appeal. Bank of America wants me to FAIL! Bank of America wants to sale my home on the courtroom steps!!. They want to see me homeless. I faxed over Utility bills, home expensives, taxes from XXXX to XXXX, XXXX form and a hardship letter concerning my situation. Back in XX/XX/XXXX, Bank of America rejected the previous buyer request for {$110000.00} to buy my home, so since Bank of America rejected the offer, I didn't want my home to go into Foreclosure, So that's why I am asking for a modification. My home is only worth {$70000.00}!!, but Bank of America wanted {$140000.00}!!. I couldn't believe it! Something has to be done about this situation. I am fighting to keep my home. Bank of America did not agree on the sale price, so I am fighting to keep it!! XXXX XXXX was very nasty to me on the phone today. I need to keep my HOME!! Bank of America also has a lien on my house. What is going on here?? When I tried to sell my home, The Bank was being very difficult, now I am trying to keep it, Bank of America are being more difficult then ever! More government officials needs to see my complaint with Bank of America. Something has to be done about the treatment of these mortgage companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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

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 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR is manipulating the numbers ( costs ) shows on my ESCROW ANALYSIS. I received my escrow analysis on XXXX/XXXX/17 and it was incorrect because it showed PMI. I requested an updated escrow analysis be performed on XXXX/XXXX/17. With the new analysis, to my surprise, the result is the same : " There is a shortage of $ XXXX '' ; however, the new anticipated annual disbursement without PMI is nearly {$1000.00} less. So I need NATIONSTAR to explain to me what calculation do they do to estimate the lowest projected balance and the minimum required balance. I have both escrow analysis for review upon request.

Company response to consumer: Closed with explanation