milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Three times I have tried to pay my credit card debt. Twice,  CapOne  has been unable to process payment. There is no response to the third attempt. This page summarizes the events. Numbers in brackets refer to documents, a ttached. All dates are in 2017.  I trust you can help resolve this situation.     First Attempt On  XXXX   XXXX  I mailed a check for {$9100.00} to CapOne [  XXXX ,  XXXX  ].  CapOne  acknowledged receipt [  2 ]    The check was drawn on my  XXXX   XXXX   XXXX  Account (  XXXX   ) . I have used that account for years to pay major bills ; e.g.  Federal, State, and Municipal taxes. I also use it to p ay my  XXXX   XXXX   XXXX  card in full every month. Never a problem -- until  Capital One.      On  XXXX   XXXX , I phoned Capital One to inform them I would be in  XXXX   XXXX   XXXX . From the recorded message, I learned that my account owed {$9100.00}. I called the credit card assistance number. The representative informed me that my check had been returned for insufficient funds.     I stated that couldnt be true. The representative then initiated a conference call to my broker,  XXXX   XXXX   [  3 ].  XXXX   XXXX  stated no check had been presented by  CapOne  to  XXXX . Furthermore, he stated there was plenty of cash available to cover the amount. The check would not have been returned for insufficient funds. The CapOne representative referred the matter to Research and stated it would take  2-3 wee ks.     Upon my return from  XXXX  on  XXXX   XXXX , I received a report [  XXXX ,  XXXX  ] stating my check had been returned for insufficient funds.. But there is no evidence of submission to   XXXX   or return.     Second Attempt While in  XXXX , I checked my email on  XXXX   XXXX . There was an email demanding payment by  XXXX   XXXX   [   5  ]. I immediately phoned and offered to pay the full amount by wire transfer to any bank Capital designated. The representative insisted they couldnt do that. The best I could do was pay {$91.00} in interest [ 7 ].     Third Attempt On  XXXX   XXXX , upon my return from  XXXX , I wrote to  XXXX   XXXX   XXXX , Vice President of Customer Management, and enclosed a check for {$9000.00}, my debt less the interest paid [ 1 ]. Again, I used my  XXXX  account since it has sufficient funds. I have received no reply. Meanwhile,  Capital One  has demanded that I make a minimum payment by  XXXX   XXXX   [ 6  ].     Conclusion   1.I want to pay my debt in full. ( It was a single transaction by the way. ) 2.I do not want my credit damaged.
3.I do not w  ant to pay interest and penalties since the problems appear to lie within  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX of this year, I wrote to the XXXX XXXX/SYNCB that I wanted to close my XXXX XXXX XXXX # XXXX because of the annual fee they charged me. And requested them to waive the annual fee after they have closed this Visa # XXXX! 
On XX/XX/XXXX, XXXX XXXX wrote to me that my XXXX XXXX XXXX # XXXX was closed as of XX/XX/XXXX. And the balance on the account was {$0.00} after they removed the annual fee, late fees and interest. And apologized for the inconvenience and frustration they caused me! 
On XX/XX/XXXX, I wrote to them again and attached a copy of the letter XXXX XXXX sent me! Because their billing department keep billing me for the annual fee with late fee and interest ; they also reported to the XXXX Credit Bureau as delinquent on payment to them! 
On XX/XX/XXXX, their customer service department replied that they were doing right reporting me as delinquent on payment and avoiding the XXXX XXXX letter I sent with my complaint to them! It seems to me they do n't care and what they want is ripping me of with fees and Interest!

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 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2017 Wells Fargo lowered my credit limit from {$14000.00} to {$750.00} on account ending in XXXX. This 95 % reduction came as complete surprise to me. I suppose that unless this bank is charge 25 % on a balance that don't want to extend available credit. They passed me from one department to the other. No help. After numerous attempts to solve this with the bank, they proceeded to close my account. I can't help but think that this was discriminatory because of my previous inquiries. NO ETHICS! Shame on you Wells Fargo!

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 12-12-2016 about Debt collection (Credit card) with U.S. BANCORP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my office cell phone. Not mine. I told this company to stop calling me but they wont. I had XXXX twice, my wife is out of work, we have no money, lost everything and can not pay credit card.

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 01/19/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contract was cancelled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

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 06/13/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Today, I contacted both the Exchange Credit Program and  XXXX   XXXX   XXXX  to inquire about a debt that incurrent in  XXXX  of  XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since  XXXX   XXXX ,  XXXX  by  XXXX . I was told by the Exchange Credit Program the account was not transferred to  XXXX  until  XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report.     There are some many things wrong with the situation. (  1  ) The incorrect balance and added fee ( Which maybe be against the law ), (  2 ) Reporting  to my credit report without notice ( 3 ) Garnishment of tax returns without notice.     *****The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ********

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 10/28/2016 about Payday loan () with ACE CASH EXPRESS, INC. (VA).
Issue: Payment to acct not credited

Complaint: Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MD).
Issue: Account opening, closing, or management

Complaint: RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Your client failed to reach out to the VA in response to getting approval to modify the clients loan. Although the VA has rules and regulations regarding a lender approving an additional modification of the loan, they are also willing to review any lenders request for additional assistance via Loan modifications for the VA to approve, we request the lender to submit the loan modification application to the VA for approval to assist the client in the delinquency of the loan to be brought current and allow the client the opportunity to save their home.

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 03-07-2017 about Mortgage (Home equity loan or line of credit) with INVESTORS BANK (SD).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX, I opened a home equity line of credit at Investors Bank ( account # XXXX ). In XX/XX/XXXX, we sold the house and informed Investors Bank of the sale. I told them that we no longer owned the house and would like to close the account. They never closed the account. Since then, I have informed them by phone and by mail that we do n't own the property and want the account closed, but they still have n't closed it. Please contact them and make them close the account. Since we do n't own the property, the bank ca n't foreclose on it. My fear is that someone will charge something to the account, and we will be responsible for their debt, and this will affect our credit. Thank you for anything you can do to help us.

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 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. Transunion is always blocked by my anti-virus system when they try to transfer me to a malicious website and XXXX always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?

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 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: we have been in house 15yrs and sold 4 or 5 times and started with XXXX XXXX who started this mortgage crisis then XXXX XXXX a shell company of XXXX XXXX then to XXXX XXXX owned by XXXX XXXX XXXX from XXXX scandal then to thier buddy fay servicing and XXXX XXXX  who worked with XXXX XXXX at XXXX everyone has refused to refinance us to a lower rate. they have increased our loan by $ 400- {$500.00} dollars for no reason. we put so many refinance applications in with XXXX XXXX that my mom had to put house in my name so we could try and get problem solved but they avoided and lied constantly to me to and then sold us to fay servicing tried to put us in foreclosure back then payments wrong place no notice said 20 times would help they have done nothing. i have asked for harp loan help they laughed said not eligible i asked them XXXX XXXX and fay to put in writing why not eligible and why eligible to pay {$2300.00} a month with escrow and do not qualify to pay {$1400.00} like every one else and we have been here 15yrs. when is someone going to put one of these crooks ruining American dream and American values going to federal prison. this is a complete joke they even have license to still sell property 's. The guy at fay he was very nice but of zero help. He towed company policy line at every turn and would tell us not eligible for nothing. All these company 's have been major players in mortgage crisis so i think we have a good case if all 4 have have fines for fraud and XXXX people out of house and you just fined fay $ XXXX. the road i am on and many other Americans caught in this trap need help. I guess they will claim I am the one loan they did right with all this fraud. please help thanks again have a good one

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

Complaint: On XXXX XXXX, 2016 ADVANTAGE CREDIT , INC . 
XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX did an hard inquiry on my credit I did not authorize.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My husband and I have not been home for quite some time due to the past hurricane activity these past few months, the damage that was incurred to our home, and the fact that I am currently XXXX and giving birth XX/XX/2017. I have not received any notice pertaining to this debt and have not been given an opportunity to rectify it prior to this debt being reported on my credit report. My insurance deductible and copays have been met for my policy, it is impossible for me to owe a balance at this point in time. This collection account needs to be validated and I deserved an opportunity to dispute it before my credit was ruined by these third-party fiscal parasites. I am currently in my last trimester and due to give birth in two days, the stress that is being placed upon me by these devious tactics is undeserved. I promise you that if I experience any complications with my baby due to this anxiety you will most certainly be hearing from my attorney.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with SUN LOAN COMPANY INC. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other transaction problem

Complaint: I tried to access my XXXX XXXX XXXX account to purchase Bit Coin. Capital One would not let me access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a twin and my twins car loan is on my account the company is Wells Fargo Dealer Services it was opened XXXX 2017 for 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