milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Taking out the loan or lease

Complaint: Was denied credit increase and the denial letter did not state the reason to me that was correct. The denial used vague terms such as " substantially '' and was not true. Letter of denial stated that " Your average monthly payment has been too low. '' My minimum payment required has been from {$17.00} to {$140.00} and I have made consistently much higher than minimum payments in the amounts of {$150.00}, {$300.00} and {$450.00}. I have an excellent credit score and never missed a payment and on time. My complaint is that I do not believe the decision to deny me a {$2000.00} increase on my {$8000.00} credit limit was correct or fair. I was not given an adequate explanation by the Capital One Manager I spoke with - XXXX Employee ID : XXXX at XXXX ET on XX/XX/2017. Please help me understand why I was denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Late fee

Complaint: I have a Bp Visa credit card from XXXX. I was notified in XXXX, 2015, that the credit card was being transitioned to another to another bank. I was told to continue to use the credit card until a new card was mailed in XXXX. 
The bill for the XXXX XXXX XXXX card came XXXX/XXXX/15. As has been my practice, I scheduled the payment from my checking account to be deducted XXXX/XXXX/15 ; I also received a XXXX digit transaction number for the scheduled payment. 
As I review my checking account activity on a daily basis, I noticed the payment had not been deducted. On XXXX/XXXX/15, I checked the XXXX credit card account online and was denied access. 
I contacted the card 's customer Service and was told the scheduled payment had been cancelled by XXXX on XXXX/XXXX/15 ; the agent acknowledged that no notice had been given by XXXX. I requested the card balance and was informed of that a {$25.00} late fee had been assessed against my account. 
I complained and the late fee was removed from the card. 
My complaint is XXXX fold. First, the scheduled payment was cancelled by XXXX and I received no notification - no E-Mail, phone call, etc. Secondly, a late fee was charged to my account. 
I consider these actions by XXXX to be irresponsible, unethical, and illegal. Had I not been proactively reviewing my accounts, I never would have known of the transition and late fee charge. 
A question : how many other XXXX XXXX XXXX card customers are being treated in the same manner, and being assessed inappropriate banking charges?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with CITIBANK, N.A. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My credit card co. enrolled me with out my knowledge

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 21ST MORTGAGE CORP. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Can't contact lender or servicer

Complaint: XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Focus Holding Company (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Late fee

Complaint: On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Arbitration

Complaint: I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried on multiple attempts to contact this company called Wells Fargo due to they are showing up on my credit report as a alleged debt I owed since XX/XX/XXXX. As of today i have attempted to removed this debt from my credit profile due to this is reporting inaccurate. According to Wells Fargo On XX/XX/XXXX I allegedly opened an auto loan with them. Then they state that as of XX/XX/XXXX this debt was charged off. I have contacted them on three occasions on sometime in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked the company to validate and verify that this is my debt by sending me a copy of the contract that I have signed and agreed to the terms they are referring to due to I have had identity theft in the past around that time they are saying that i supposedly open this account. As of today I have n't received anything showing that they have validated this debt with my signature on a contract. I have contacted all three credit bureau 's to dispute and the credit bureaus continue to tell me its valid but will not provide me with how they have validated this debt. I have also tried to call the number on my credit report XXXX ( wells Fargo ) and I get sent on the run around with the company. I would like for this to be removed off of my account due to they do n't have my signature on file. I have lived in Las vegas in XX/XX/XXXX so I could not have gotten a car loan.

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 04/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Bureau reporting inaccurate information on my credit file regarding my personal information and accounts that do n't even belong to me. I would like the bureaus to address these issues and remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian Experian has XXXX/XXXX XXXX XXXX XXXX has on my credit file wrong information as to amount owed on the loan. 

Experian has XXXX/XXXX XXXX XXXX XXXX showing incorrect late payments and errors on my Experian credit report I have provided the original amount of the loan and a letter showing there was no delinquency information to the credit reporting bureaus. 

It seems Experian gather information base on errors and incorrect way they gather information to this account as to delinquency in Experian errors. 

XXXX was the servicing company not the loan originator/owner of the loan was originated from XXXX XXXX XXXX XXXX loan documents showing loan amount & Credit information provided stating they did not report delinquency information to credit bureaus.

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 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: For approximately a month I have been receiving email from : XXXXXXXXXXXX regarding a security code. These emails are generated when you put in a user name and then click on " I forgot my password '' The emails contain the last 4 digits of my credit card and my first name and middle initial. These emails indicate that someone is trying to access my account. I logged into the capital one site and tried to change my user name to make my account secure. Changing your username is not an available option on the Capital One / Furniture Row credit card site. I am able to change my email address and my password, but not my user login. 

I called Capital One o
n XX/XX/XXXX to try to fix this problem. I spoke with a representative who told me to change the login on the website. I explained that it was not an option on the website. I then spoke to a manager who told me that she was unable to change my login on her end and that I would have to un-enroll from the service on the website. I explained that that was not an option on the website. She assured me that she would un-enroll my account and I would receive a phone call when it was completed. That was 9 days ago. I still relieve 2-3 emails a day that someone is trying to
access my account. I am unable to change my login or un-enroll from the service.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are filing a complaint based on illegal representation of loan modification procedures and omissions of Nationstar Mortgage ( NSM ). 
After a long and heated battled in foreclosure court our family was finally awarded/granted a loan modification under the Making Home Affordable program ( MHA ). This modification outlined payments to start on XXXX XXXX, 2016. As my family was of course elated to finally have an opportunity to resume payments on our loan which had been delinquent for some time due to job loss. We promptly made our payment of {$700.00}, only to be rejected by NSM. 

When we made our inquiry with NSM, as to why the payment was returned, it was brought to our attention that a mistake had been made on the loan documents. A mistake which NSM, advised would need to be corrected before any payments could be accepted toward the new plan. It was stated that the plan did not contain my wife 's name XXXX XXXX and they needed to be reprinted. This negligence has led to further disarray and miscommunication between myself, NSM and the loan documentation department. 

Once the documents were finally corrected and resent to my family. I was then instructed to hold my payments until I was contacted and was not contacted until XXXX XXXX, 2016. At that point, I was instructed to complete an ( ACH ) draft payment from my personal checking account on the date of XXXX XXXX, 2016 in the amount of {$2100.00}, which would then bring the account current and finalize my permanent loan modification. 

After this payment was completed NSM, still refused to complete the loan modification and covert to permanent deal. I was then contacted and advised that by agent XXXX XXXX, that it was necessary to pay {$1400.00}, or my loan modification would be canceled. This act of extortion has gone too far and refuse to continue to be misled by NSM and their deceptive servicing and lending practices. In fact, XXXX XXXX advised that he is not positive that if this amount of {$1400.00} is paid there is no guarantee the deal will be made whole. 

Now NSM, is attempting to undermine the terms of the national mortgage settlement as well as the MHA program itself. They are intentionally forcing my loan back into a delinquent status and ultimate foreclosure. This is evident and has been identified on multiple levels. 

This crime need stop be brought to a halt, and our family is prepared to file a civil lawsuit in order to correct this matter immediately. We implore the CFPB to take action regarding this tragedy of events.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.

Company response to consumer: Closed with explanation