milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Interest rate increases to 29.99 %. Called to have lowered was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Experian notified me on XXXX/XXXX/2016 that there has been a change in my credit score. When i logged in I noticed there is recent XXXX activity on my credit report, which lowered my credit score. 
I did not authorize an inquiry therefore, I suspect there has been an attempted ID theft. 
Experian is unresponsive to my inquiries.

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 05/17/2017 about Debt collection (Other debt) with Financial Data Systems (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX   XXXX ,  1. ) Filed a false claims on my credit report. and 2.  )  XXXX   XXXX   XXXX   XXXX , did n't respond to by letter dated  XXXX / XXXX /   17  received by  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /   17  disputing these bogus claims dated  XXXX / XXXX / 17 .

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 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.

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 12/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have power of attorney for my father, who is XXXX years old. At the time of the alleged debt, in the summer of XXXX, my father lived in an independent living facility in XXXX, CO. He had signed up through the living facility to obtain cable through XXXX. He claims that the independent facility quoted him a price for the cable package, but when they went to install it the price was substantially higher that what was originally quoted to him. So he declined to have the cable installed. All of his dealings was with the independent living facility and he never signed any contract with XXXX, to the best of his knowledge. Over a year later on XXXX XXXX, XXXX, he received a letter from Diversified Consultants, Inc. XXXX. XXXX XXXX, XXXX, FLXXXXXXXX that he owned XXXX {$210.00}. I wrote a letter in his behalf to Diversified Consultants on XXXX XXXX, XXXX, advising them that my dad did not owe the amount as he had never signed any agreement with XXXX. To date neither my father or myself have received any response from Diversified Consultants. However some alarming events have taken place. I received a letter from XXXX stating that my father 's address had been changed to my residence. My father does not live with me and has his own address. Further neither my father or myself have ever notified anyone to change his address to mine. The second incident involved my personal credit information. I was advised on XXXX XXXX, XXXX, that on my credit information, my address has changed to my dad 's previous and present address. These two incidents need to be corrected as they are not only incorrect, but are inaccurate and not requested. A letter has been sent to Diversified Consultants to advise them of these unacceptable practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been looking for a mortgage to purchase a home. Quicken Loans is relentless and forceful in the way they try to contact and make you get a loan through them. I have received > XXXX calls in the past few weeks and have had to block all the numbers they call from, and also told them to take me off their list. When i did answer, they gave no time to explain what i wanted or that i had already selected a loan from another lender. They pushed to to a loan officer and they still did not give me any time to just say " no '', that i did n't want a mortgage. After talking to someone i had no intention to for over an hour, they said they would do anything to beat my current rate. They gave me XXXX of a percentage point less of a rate, but with XXXX mortgage/discount points. When they proposed the deal, they had only told me that it would be a lower closing costs and lower interest rate, they never told me the discount points used to get the deal. I told them to email me the offer and i would look it over. When i said this, the loan officer said he wanted me to close it that day, without looking over the deal. This method is forceful, dubious, and should be illegal. They are trying to force anyone with any decency into a loan that is not the best option for the borrower, just for themselves. After looking at the deals and talking to other advisers, I found that the deal they had offered which they claimed was " better '' was basically screwing me over to get the loan. 

Long story short : Quicken Loans is a forceful, deceitful, company not looking out for the customers best interest when making life changing decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not owe a debt of {$30.00} to XXXX. This is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hi I can not get hold of Coinbase who have money of mine, I have emailed 11 times over the last 2 weeks with not one response. I have done everything they instructed but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (SC).
Issue: Problems when you are unable to pay

Complaint: On Tuesday XXXX XXXX I called an XXXX with a customer service representative and informed that I would n't be able to make my payment due to financial issue and I would make up the payment on my next due date which will be XXXX XXXX, 2017. The representative told me that would be fine and I should n't have anything to worry about, so on XXXX XXXX, 2017 this company attempted to take payment out of my account not once but twice after I informed that the funds would n't be available, which caused my account to go into the negatives and forced me to close my bank account. On today I spoke with a very rude representative at the customer service department, she was very rude, called me a liar and informed me that they would still attempt to take funds out of an closed account, along with contacting my references after I asked to have them removed. The rep hung up on me after requesting to speak with a manager. I also think the interest rate that they charge is absurd, ridiculous and illegal. The interest rate is at 285 % I 'm paying more than what I borrowed. I wish to not be contacted by this company again. Or I will seek legal actions!

Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Three yers ago I used my citi credit card to buy XXXX XXXX XXXX for about {$40.00}. Year later ( XX/XX/XXXX ) I found unauthorised charged from them for {$100.00} and got my money back at that time. Because XXXX is acting like fraud company I switched to XXXX and XX/XX/XXXX bought the same soft ware for the same market prise about $ XXXX.But XX/XX/XXXX,  surprise, most impudent company never sleep, again unauthorised charged from XXXX  {$100.00}. I got conditional credit from citi, but recently recieved letter dated XX/XX/XXXX from citi card company : " Marchant has provided the additional information. ... Since there is no detailed description of merchandise, we are unable to assist you ... Investigation is complete. We rebilled charge along with any related fees and interest charges. '' Is this just absurd or something worse?

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 04/13/2016 about Debt collection (Payday loan) with Rosebud Economic Development Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have spoken to the collection managers at myquickwallet.com. I told them I am not refusing to pay and I had made some payments but right now I can not. The manager XXXX said that she would make sure that my life was impacted negatively. She continues to call my job during the day and mow my job is making it a big issue and I 'm being reprimanded for it so to speak. The company is not even calling my phone anymore they just continue to call my job, and told the receptionist that I am telling them to contact me there.

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 09-01-2016 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Kings Credit Service acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account number just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Arbitration

Complaint: I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Stellar Recovery, Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/15/2017 about Debt collection (Credit card debt) with Peerless Credit Services Inc (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had received a bill of {$140.00} from a dermatologists in XXXX that I had paid for via my XXXX Credit card through XXXX Bank. This was my second visit with them since one that I had in XXXX. I also paid that bill of {$140.00} through my XXXX credit card. The first payment for the visit in XXXX was for {$55.00} and it was paid on XXXX/XXXX/XXXX, one month after my visit at the doctors. I received a letter on XXXX/XXXX/XXXX from Peerless Credit regarding this very debt of {$130.00} ( the full payment before interest fro the credit card ) as being unpaid as of XXXX/XXXX/XXXX ( the date of the original payment via my credit card ), and if I did not pay it, that they would release this " unpaid '' account to their attorney at the XXXX XXXX Offices. Not thinking about this sooner, I have already submitted a partial payment of {$25.00} to them on XXXX/XXXX/XXXX. it was n't until now I realized that I did pay this bill off in XXXX via the aforementioned credit card agency. Peerless Credit 's phone number is XXXX they are located at XXXX XXXX XXXX XXXX XXXX PA XXXX. I have researched this company and they have numerous complaints stating that they consistently break FDCPA laws. I have attached three screenshots of the bank statements that I have received, the first one from XXXX, the second one from XXXX, and the third one from XXXX. I am hoping for this issue to be resolved, and for my payment to be returned to me. Thank you.

Company response to consumer: Closed with explanation