milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Customer service / Customer relations

Complaint: Another problem with Capital One Credit Card Division. 
I ordered services from a company XXXX. 
This company deals with, XXXX, a credit card processing company. 
Capital One internal fraud division put this account and another of my account on lockdown for a very stupid reason. 

" My credit card is not used frequently for Capital One 's standard '' is the excuse the fraud department told me on XX/XX/XXXX at XXXX. 

I alternate my credit cards so I do not overspend or go above my limit. 
I am XXXX and ill and have limited income and use my credit card for usual expenditures and large expenditures when needed. 
Capital One makes money from from interest charges, yearly fees and a rare late payment ALSO makes money from certain insurance policies premiums. 
Capital One cancelled this transaction without notifing me and also XXXX ( who is awaiting payment approval ). 
This is the SECOND TIME Capital One Fraud Department did this to me. 
The other time was in XX/XX/XXXX and Capital One was totally ignorant and could not find their records on the conversation by telephone and e-mail'So Capital One refused that payment to an apparel company in XXXX. 
Capital One customer service agents, in the Fraud Department are extremely poorly trained because they can not use their computers to find supporting documents OR Capital One illegally deletes those supporting documents. 
I am afraid if I use my credit cards for a large purchase, the purchase will not go through and I will not received the item ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with DISCOVER BANK (MI).
Issue: Charged fees or interest you didn't expect

Complaint: My husband and I had a credit card each with XXXX. When he XXXX XXXX years ago I took over his card and they immediately for no given reason jumped the interest rate to 20 % I have made payments to them all these years but getting nowhere. I decided to consolidate the loans by getting a cheaper loan from Discover loans. This was done in XXXX XXXX. One XXXX card was paid off by Discover namely a/c XXXX for {$9700.00} In the other case Discover sent XXXX {$12000.00} for ac " XXXX. '' Discover wrote the incorrect number for the credit card. The correct number should have been XXXX. This was XXXX. Discover claims they have sent several correction faxes to XXXX but XXXX seems unable to find Discover 's messages or indeed locate the funds. I am in the middle of these two parties with frequent phone calls that go nowhere. The result I am paying the full amount on the Discover loan as well as on the XXXX credit card that should have been paid off.. This extra payment has amounted to nearly {$1000.00} to me over this last three months. I can not get any solution from the parties since there is no resolution from my frequent phone calls to both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX  and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I was notified of a deficiency with my property taxes of over {$450.00}. I paid the deficiency and yet it is being added on a monthly basis. When I called the Mr. Cooper representative told me I lacked funds in my account, yet when I checked the city tax office I am all paid for the year. I also spoke with the city assessor who told me my tax liability increased only $ XXXX/year yet somehow Mr. Cooper is charging me $ XXXX/month additional. The Mr. Cooper representative informed me that this is because of a doubling of my tax base and refuse tax. Unfortunately, I pay my refuse tax through the HOA, not direct. I feel as though I have been defrauded of funds and request an immediate investigation into Mr. Cooper 's business practices. My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Payday loan) with LENCO FINANCE OF CARENCRO, INC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This was a small personal loan. The loan company keeps taking payments from my bank account without my permission. They have filed this issue in XXXX different courts with out my knowledge. And they refuse to send me a statement showing my my records of payment. They constantly call and show up at my residence threatning to have me arrested. 
Lenco finance of XXXX la

Company response to consumer: Untimely response
Consumer complaint received 07-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: I mistakenly paid off my entire bill of $ XXXX instead of paying my regular monthly payment of {$35.00} on XXXX XXXX, 2015. Called on the XXXX to request a refund. It was granted and I was told it would be sent out the next business day. As of today, XXXX XXXX, I have not received any of the XXXX checks to be sent to XXXX different addresses. I have called countless times to request the money to be direct deposited into my account but their policy states the amount has to be {$3000.00} or more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.

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 10/19/2016 about Debt collection (I do not know) with Western Collection Bureau, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with Farrell Holdings, LLC (UT).
Issue: Managing the loan or lease

Complaint: XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Harpeth Financial Services, LLC (TN).
Issue: Can't stop withdrawals from your bank account

Complaint: Emailed Customer service per their instructions the way to revoke auto withdrawls from bank account on  XX/XX/XXXX . They did not honor my request and withdrew on  XX/XX/XXXX  causing an overdraft.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 submitted a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to transunion. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy

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 03/28/2017 about Debt collection (Non-federal student loan) with SECURITY CREDIT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/XXXX2016 place for deposit by them on XXXX/XXXX/2016. XXXX XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: XXXX XXXX is reporting that my Auto Loan for a XXXX XXXX XXXX was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: Sent Inquiry removal letter to TranUnion after trying to contact creditors to no avail. as TransUnion told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. TransUnions customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I R Case XXXX I do not recall authorizing any of these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with WELLS FARGO & COMPANY (NE).
Issue: APR or interest rate

Complaint: I went to Wellsfargo to open business checking account and was told by the accounts executive that the system has offered to open a credit card which has 0 % APR for XXXX billing cycles.So I agreed to apply. After XXXX billing cycles I saw finance charge and called the XXXX # and was told that it was only for XXXX billing cycles. I discussed above details and send me the account opening documents and was never provided with those till date. On multiple calls afterwards I was told they do n't have any such opening document and the XXXX billing insert has the 0 % APR info. Now I have been charged a total of {$160.00} in finance charges and even if they want to refund any they are looking at the least finance charge and would refund half of it. Still no info on the opening documents. I have a lot of accounts with WellsFargo and Credit Card is the only department I have issues with and this is the XXXX time with a XXXX business ( XXXX issue was different ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: THIS HAS BEEN A CONSISTENT PROBLEM WITH BANK OF AMERICA AND A MERCHANT NAMED XXXX XXXX XXXX  XXXX. THE MERCHANT ALLEGEDLY ISSUED A CREDIT OF XXXX TO AN OLD CREDIT CARD ENDING IN XXXX THAT BANK OF AMERICA CHARGED BACK TO MY ACCOUNT ALLEGING THAT THE MERCHANT SUPPLIED FALSE AND INCORRECT INFORMATION STATING THAT I RECIEVED THE MERCHANDISE WHICH IS FLASE. I WANT THE XXXX CREDITED BACK TO MY ACCOUNT ENDING IN XXXX IMMEDIATELY. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE 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 explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Settlement process and costs

Complaint: Several things happened first thing is after approving the modification Wells Fargo failed to cancel the sheriff sale of my home and my house was sold in the sheriff 's auction and then an eviction notice was served to me all because they failed to cancel the sale then my original loan balance was XXXX now it is over a XXXX and XXXX with all their fees that they have added to my loan and all the additional costs they added to my loan for a day Sheriff sale or foreclosure which should have been cancelled so why should I pay for those fees then they have now refused XXXX payment of over {$1800.00} I sent XXXX they were turned took 45 days to get it back then I attempted XXXX weeks ago to pay {$2500.00} and then refuse that payment I have been asking for months actually probably over a year to have my escrow analysis analyzed do to it increasing {$10000.00} and it has entries that have no description that only say escrow adjustment I have not been given an explanation or been contacted after leaving countless messages emails speaking to other Representatives who said they would get a message to them and they would have them contact me they have no problem adding things to my account but they can not explain to me what they are why I 'm responsible for him and then they want to refuse my payment or payments and even returned money I sent bill pay..the sheriff sale they failed to cancel by error its still haunting me after over a year of calls emails letters to Wells Fargo it has yet to XXXX fixed..the assessors show Wells Fargo as the home owner witch has caused me problems getting homeowners ins.and the title reads I sold it to Wells Fargo and it continues to stay on a forclosure lisfings

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AR).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.

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