milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continues to update and report a past due balance of {$2300.00} for a XXXX Account # XXXX that was paid and settled in XXXX XXXX, 2015. ( Copies of letters and cancelled checks are attached ). I have disputed this information with Equifax on numerous occasions. In XXXX they updated the account correctly, then in XXXX 2015 they reported the negative information again. Equifax 's inaccurate reporting is hurting my credit rebuilding efforts significantly and makes it harder for me to secure credit. This information should be updated immediately and not changed again. Equifax is in direct violation of the FCRA. I have given them multiple opportunities to correct and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got unauthorized charges from  XXXX  on m y Chase Visa c redit card totaled {$9000.00}. I disputed these charges with my credit card issuer. the fraud personnel established a  XXXX  XXXX -way call with me and  XXXX  representative and he confirmed that these charges are fraudulent, and he also confirmed that i do n't have an account with  XXXX . However, the  Chase dec ided to keep the fraudulent charges on my account and concluded that it is my responsibility. And they neglected the " zero reliability '' rule.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfollio Recovery is trying to colect the allaged XXXX XXXX credit card dept. 
After two letters send to them by me, on XXXX XXXX and XXXX XXXX Portfolio Recovery was unable to provide me with the document bearing my signature as a proof that I owe them. 
I believe that this is a violation of the Fair Debt Collection Practices act ( including but not limited to Section 807-8 ), also the violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This company refuses to acknowledge dozens of emails to the billing disputes department or faxes to the billing disputes department. Every time I chat with them on their site, they give me the same message, that I need to fax or email, yet this leads no where. Here are the charges I have disputed at least a dozen times : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} I was attending XXXX school at this time, but I XXXX in XXXX, and finished all of my coursework including my internship  prior to the date these charges were made and I can prove this. I contacted the XXXX school  when the inadvertently processed these charges and was told because the payments go through a third party processor to contact my bank and they would successfully dispute the charges for me since I could prove I was not in school at that time. This company has made a difficult situation, worse. This is a lot of money for me as a new XXXX student, and I was offered XXXX interest for a year but now they are going to start tacking on an interest fee and I can not afford this. Here is my card number XXXX. This is fraud on my account and has been reported to the Fraud Department as well, but again, they refuse to reply or help. I am a XXXX person as well and have been fully XXXX for 15 years. This is discrimination on top of just terrible customer service and treatment of a client. Please help. Sincerely, 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 08/28/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX, XXXX, as TRUSTEE OF XXXX XXXX XXXX XXXX is attempting to foreclosure on my home using fraudulent assignments I filed an affidavit of fraud with real estate div. of XXXX XXXX where XXXX XXXX state the title issues. Carrington Mortgage Services as refused to work with me on modifying my loan. Carrington has not responded to my QWR or my debt validation. XXXX XXXX XXXX needs to cancel the foreclosure until this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: It has been over a year now that I have been in review for a loan modification with Bank Of America without any resolution. I have been submitting every single requested document without any delay. However, it now appears that they once more have changed the " single point of contact '' that that had initially assigned my file to and I 'm being asked to resend all documents again. I 'm XXXX years old and ca n't afford to lose my home at this point in my life and I 'm respectfully asking for your assistance in this matter.

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 04-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Credit card protection / Debt protection

Complaint: Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2016 I received the results of my investigation. XXXX is updating invofation that does not belong to me consistently on my credit report. I notified them that I wam the victim of ID theft, and they have not provided me the results of how they verified my information. The other bureaus, XXXX and XXXX are reporting my information correctly and XXXX is choosing not to.

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 Consumer Loan (Title loan) with Select Management Resources, LLC (MD).
Issue: Lender repossessed or sold the vehicle

Complaint: I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Other financial service (Refund anticipation check) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Lost or stolen check

Complaint: Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.

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 12-10-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: When we bought our home, we received a letter from National Biweekly Administration promising that if we let them service us, we will be able to pay off our 30 year mortgage in 20 years. We decided to accept their offer. Now a year and a half later we received a letter saying that they can no longer hold up to their side of the deal. We had already paid all the necessary fees for their services, and each month, they charge us a fee for their services. We tried to contact them, but can not get through their phone system. They just simply tell us to call back later and hang up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, XXXX, Experian I have 18 hard inquiries on XXXX 43 on XXXX and 16 on Experian it has been over five months and I have not heard for any one

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 07/31/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is using a third party law firm XXXX , XXXX XXXX XXXX, XXXX. to bully and threaten me into foreclosure while not addressing and avoiding issues with my mortgage. I have a contract for sale on my home and have been ignored by Bank of America. Furthermore, the Bank has promised one point of contact which I do not have.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CA).
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: I am asking that the 30 day late negative placed on my credit report by Toyota Financial Services be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website XXXX more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using Toyota financial services, I am extremely disappointed to be writing this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I was charged by XXXX for classes that I did not attend, that I did not authorize and that I did not contract for. The charge was billed on my Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: BBVA Compass advertised a {$200.00} bonus if a new checking account was opened and a {$300.00} ( or more ) deposit was made in to the account. I meet the requirements ( confirmed multiple times by BBVA Compass Customer Service ) but the bank refuses to honor its offer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with Armand Law Group, PLLC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.

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