milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Billing statement

Complaint: I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Shopping for a loan or lease

Complaint: I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I attempted to apply for an auto loan on XXXX XXXX, 2016. Capital One Auto Finance failed to call and verify my personal information before running a credit report. I have asked in writing to remove the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX. 
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report. 

As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX. 

I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Vehicle loan or lease (Loan) with UNITED ACCEPTANCE INC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: A skateboard was purchased on XXXX for {$1600.00} onXX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. Capital One refused to further assist me in this dispute despite having already returned the item back to the merchant. I expect a full credit of {$1600.00} to be posted back on my credit card statements as I DO NOT retain possession of the skateboard anymore. The item was returned back to the merchant and a return tracking number is provided. As such, a full refund is 100 % expected at this point in time. I expect Capital One to process this dispute and refund the charge for {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Credit determination

Complaint: On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (FHA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (OR).
Issue: Application, originator, mortgage broker

Complaint: I applied for getting a house loan with mortgage solutions in XXXX 2016. I was led to believe I was approved and received a preapproval letter of {$270.00}. Everyday he was telling me tomorrow you will get your approval letter. Our closing date was XXXX/XXXX/2016 he wanted us to extend it. The seller extended the closing date a few times. He still was promising the next day we will hear from the underwriters, he played this game for three months. Finally XXXX/XXXX/2016 after my friend gave me 20 % down and he came to the bank to get the bank letter he said he needs to send this to underwriter and they will send an approval letter and we will close the next day. On XXXX/XXXX/2016 I insist for him to give me an answer since we were close to XXXX weekend and the schools were opening we still had no house to go to, my daughter did not know where she would go for school, I was living in boxes since the week before the original date of closing ( XXXX/XXXX/2016 ) and I ended up paying double to continue staying in my apartments after I ended my lease. It was the most terrifying experience to buy a house with this lender, for me and my children. Everyday I was under the belief that we are getting the approval the next day for three months. Finally XXXX/XXXX/2016 he wrote a I am sorry letter and that the underwriters only approve me for {$180000.00}. He said in that letter that the underwriters did not accept the child support income for the loan. This information and all my information were clear from the beginning and he admit at some point and apologized for letting me to believe I was approved when I was n't for the loan. I am a single mother of XXXX children. I lost the property and even though I found another lender the same day and they approved me in three days this interaction with mortgage solution made me lose a lot of money ( the appraisal, penalty of staying longer in the apartments and paying double for each day ) and the lender was completely aware of my family situation and the stress of not knowing where we should live. The lender was well aware of us having to walk through the house and we were all ready to move in. The seller did not agree with extending the contract with the new lender and we ended up losing the house. 

I have all of these documentations and If I can provide more information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.

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 01/30/2018 about Debt collection (I do not know) with Northwood Asset Management Group (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I would like to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NAMG ( a creditor ) has apparently received an account of my elderly mothers ( XXXX XXXX XXXX ). Instead of following up specifically with my mother, NAMG calls my cell phone ( XXXX  ), my home phone ( XXXX ) and my wifes ( XXXX XXXX XXXX ) cell phone ( XXXX ), multiple times per day at multiple days a week from XXXX. I have never been a part of any credit application with my mother, nor am I or my family on any financial documents of hers. This is unwarranted harassment from a private business that I have no dealings with. In addition, this behavior of NAMG constitutes multiple violations of the Fair Debt Collection Practices Act. Section 804, # 3 : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. Section 805, b Communicating with 3rd Parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Section 806 ( harassment of abuse ), # 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; and # 6 : Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. I am reporting this complaint today as they have now been calling us on the three numbers listed above for 2-3 months. NAMG is registered with the state of Florida as a foreign LLC, state ID XXXX and is domiciled in New York.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I made several deposits using my Bank of America Debit Card Account with online gaming companies in what turned out to be located in foreign countries. The charges showed up on my account statement under many different names that I did not recognize ( XXXX, XXXX, etc ). I have since learned online gaming companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, use pass through accounts for accepting deposits from players. After these deposits were accepted by the three companies listed above, I won a little bit of money. All together the winning amount is about {$500.00}. I made a request to withdraw the money from all three and it was denied by all three companies because I could not show proof of having a utility bill in my name. I tried sending everything to them and they still refused to give me back any part of the money I won or deposited with them. I thought of the CFPB and visited your website and read about how to report the transactions as charge backs to the bank. I submitted a claim ( fraudulent activity report ) with Bank of America and after 15 days I received a response telling me the claim was denied. I do n't know where to go from here so I am hoping you can help me get this resolved. All I want is for Bank of America to reverse these debit card transactions made to these companies. I do not want Bank of America taking a loss, I just want the transactions charged back. I have very little emails and communications with these companies as they will not put anything in writing. I am attaching a few copies of emails as proof to show I tried to withdraw the money and they refused to send it to me. This is not a case where I lost all my money and want the transactions charged back. To me that would be unethical.

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 09/23/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (TN).
Issue: Managing the loan or lease

Complaint: I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. 
I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. 
The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! 
I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Alabama state tax lien was paid and released in XXXX/XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on two of my credit reports ( Equifax and XXXX XXXX. The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my XXXX score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports. Needless to say, I paid it as soon as I could. 
I have worked very hard to maintain my excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that it has been " paid and released ''. How can I get Equifax and XXXX to remove this negative item?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting a 2 month old delinquent mortgage payment when in fact I have not been late on a payment in years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with Suburban Credit Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a XXXX visit in XX/XX/XXXX and believed that all bills were paid. I moved in early XX/XX/XXXX and had a forwarding order to transfer my mail to XXXX. I kept my same phone number as I had in XXXX. In XX/XX/XXXX a collection was placed on my credit report. I had no knowledge that any balance was due. I did not receive any notices or phone calls! On XX/XX/XXXX, I ran my credit report and found this notice. I called the collection company today and they told me that they do n't have to call me. I informed them that I moved in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.

Company response to consumer: Closed with explanation