milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other fee

Complaint: I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

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 07/22/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: : Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?

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 10-01-2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Rewards

Complaint: I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with D2 Management LLC (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX

Company response to consumer: Closed
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/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 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, Experian ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: There is a fraud alert on my credit report with Experian that I did not request to be placed. Following complaint # XXXX through the CFPB, I sent Experian the requested documentation to prove my identity. They have not responded and the fraud alert is still on my credit report. 

This has stopped me from being able to open new accounts. Most recently, it hindered my process in obtaining a cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other

Complaint: Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX GAP to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

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 04-07-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.

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 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: cfbp i would Like to file a complaint on Experian reporting agency On XX/XX/XXXX I sent in via Cerified mail this letter below asking Experian To investigate credit inquires as you Can see in my letter I asked them For details Infomation reguarding the inquires. i got a letter from them On XX/XX/2017 stating that they could'nt remove any of the Inquires! Number 1 They failed to send me any of the information I asked them to send me in order to verify these Fraudulent inquires! I asked that Experian Please send me the Info below or please REMOVE THESE ITEMS ASAP IF YOU ARE ABLE TO VERIFY THE INFO THAT I REQUESTED. 
MOST INPORTANT EXPERIAN IS FAILING TO SEND ME UPDATED CREDIT REPORT AFTER THEY ARE DELTED AND UPDATING MY INFORMATION THAT IN VIOLATION OF THE FCRA THIS IS MY 2ND REQ FOR UPDATED CREDIT REPORTS FROM THIS COMPANY!

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 07/20/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. 

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}

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 06/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Incorrect information on your report

Complaint: I WAS  XXXX  IN  XXXX     2013  AND ARRIVED OVERSEAS END OF  XXXX     2013  AND WAS LATE PAYING MY MORTG. WELLS FARGO REIMBURSED ME FOR LATE FEES BUT WOULD NOT TAKE OFF  XXXX   2013  LATE PAYMENT OFF MY CREDIT REPORT. I WAS NOT LATE PAST 30 DAYS. I HAVE PAPER SHOWING THAT THEY REIMBURSED ME FOR LATE FEES AND ACKNOWLEDGE I WAS OVERSEAS BUT REFUSE TO TAKE OFF THE  XXXX  DELINQUENT MARK OFF 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 09/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I was previously working on this file. We have a new file but they are saying that I am not authorized. Please see the attached documents.

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 07/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Second complaint ( original XXXX XXXX Wells Fargo did not address the initial complaint filed on XXXX with the CFPB. 

The complaint is that Wells Fargo notified originally notified deed holder of the initial auction date of XXXX XXXX, XXXX to be held in the XXXX court house in XXXX XXXX. This notice was served to the deed holder and notarized by the XXXX. At this point, there was no notification from Wells Fargo of a change in auction date as required by law ( state and federal ). At that time, Wells Fargo was ( according to law ) to change the deed into their name regardless of the auction taking place or anyone bidding ( that is the law ). 
They did not. 

Next notification from Wells Fargo was in XXXX of XXXX stating a new auction date was set ( this violates the deed holder notification guideline which states deed holder has to be notified PRIOR to the set auction, which was in XXXX XXXX ). At that XXXX XXXX auction, legally the deed should have been out of XXXX XXXX 's ( deed holder ) name in XXXX XXXX since no notification was given to XXXX XXXX ( deed holder ) of the auction date being change, per LAW. 
This is what our complaint is. Because of this, we were unable to qualify for FHA home lending, or conventional lending ; the date of the foreclosure is marked by when the deed is taken out of the foreclosed on 's ( deed holder ) name. That should have been XXXX XXXX. Instead, because of Wells Fargo not following the guidelines or law of the State of Idaho or federal guidelines that date of foreclosure was n't recorded until the following year at a different auction. 

The information Wells Fargo provided on complaint XXXX did not address this complaint, and did not address that notice of auction in XXXX XXXX. In fact, Wells Fargo neglected to present that information and manipulated their report and the information they provided ( which we 've provided them ), omitting what they wanted in order to support THEIR case. Wells Fargo has neglected to acknowledge the actual complaint we filed in complaint XXXX with the XXXX XXXX XXXX XXXX XXXX. The resolution we request is to have a correction of deed recorded with XXXX XXXX. If that is not possible, then financial compensation in the form of a fine since their inability to do their job according to the LAW prevented XXXX XXXX from financing a new home 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