milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To whom it may concern, This complaint is in regards to my Capital One credit card. On or about XXXX/XXXX I made a purchase using my credit card ; on or about XXXX/XXXX I reviewed my statement and noticed an Unauthrorized charge so I in formed my credit card company and initiated a dispute. 

Three or four days later my wife reminded me of the purchase I made that I filed a dispute for, I tried to contact my credit card company to redact or withdraw my initial dispute. The agent on the phone had informed me that once I file a chargeback I 'm no longer to retract my claim. 

Is this accurate? If I file a dispute on a transaction do I no longer have any rights to withdraw? Do I give away my rights to accept financial responsibility? Did my mistake cause a merchant to lose out on the original purchase amount and the service they provided? I 've tried to contact the merchant and they are no longer in business due to " chargebacks ''. I feel somewhat responsible because my chargeback claim contributed to the insolvency of the entity ; which offered a wonderful service. 

It leaves me to wonder how many other people 's mistakenly filed chargeback cost an honest business to be shut down. Is there any information on how to cancel the dispute you 've filed with your bank or credit card company? Am I wrong to believe that I can accept my mistake so as not to bear financial costs to others? Please help find information or resource links available that allows me to accept a dispute claim I 've filed or withdraw my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.

Company response to consumer: Untimely response
Consumer complaint received 05/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing statement

Complaint: I hope all is well. 

I booked a hotel reservation through American Express Travel. The representative clearly stated over email ( I have the supporting documentation ) that my reservation could be cancelled without charge anytime prior to 7 days before my arrival. 

Due to an unplanned work commitment, I have to cancel the vacation. However, AMEX is charging me the full amount and refusing to refund for the hotel stay - despite the fact that I cancelled well before the allowable date as stipulated in my original, written correspondence with AMEX I appreciate anything you can do to help. This is an unfair violation of my rights as a consumer by a large corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Billing disputes

Complaint: A number of incorrect or wrong charges were placed on my account. 

I faxed Huntington Bank dispute forms for about XXXX charges. 

I never heard back. They were never removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with ClearOne Advantage, LLC (MO).
Issue: Confusing or missing disclosures

Complaint: On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have not been receiving the XXXX XXXX Reward Points posted to my XXXX XXXX  account by Barclays the issuer of the XXXX XXXX Visa Card. I have been awarded unposted point totals of XXXX on XX/XX/XXXX, XXXX points on XX/XX/XXXX XXXX points on XX/XX/XXXX and XXXX on XX/XX/XXXX. I I sent the company an e-mail on XX/XX/XXXX, but the company has still not addressed the issue.

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 03-01-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Billing disputes

Complaint: I was notified that Midland Funding LLC sued my XXXX XXXX, Case No. XXXX. I called them and they said it was because of a XXXX XXXX that I optained in XXXX. The stated there was a balance due of {$2300.00}. I do not remember ever having a credit card with XXXX. They said it was sent to Midland Funding in XXXX. I have never gotten a call about this. I never knew about this. Now I have a law suit and nobody can tell me anything about the charges or where they were spent, etc. I have a credit report from XXXX/XXXX/XXXX. I looked through it to see if a card with that name or number was on it. There is no XXXX credit card in that report. There was no delinquent amount due on that report. There were XXXX credit cards in that report that were assigned to my ex-husband upon our divorce. They are XXXX cards with different account numbers then the XXXX Midland gave me. I do n't know what to do. The person I spoke with at Midland told me to contact you, so here I am. The credit card number she gave me was XXXX XXXX XXXX XXXX. Please help me find a way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do so  Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Title loan) with Embassy Loans (FL).
Issue: Lender repossessed or sold the vehicle

Complaint: item is reporting wrong and not paid in full EMBASSY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account # XXXX and never issued my refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NV).
Issue: Managing, opening, or closing account

Complaint: I have XXXX RushCards. I have not been able to access my money since Monday morning ( XXXX XXXX, 2015 ). Until 2 days ago, i was not able to log into my account. Online, XXXX card shows as " Pending Activation '' with a correct balance of {$600.00}. The XXXX card shows an incorrect balance {$0.00}. The balance changes constantly, but is never correct. On Wednesday, XXXX XXXX, I was able to speak to a RushCard representative. I stated my problem and was told a " form '' would be " escalated to a manager '' and my card would be fixed with XXXX hours. That has not been the case. I 've tried to call back, no less than, XXXX times. Each time, the call is dropped or hung up. Last night i was able to get past the initial ringing and was on hold for XXXX hours before i have up. I have over {$600.00} that i can not use. I have a paycheck direct deposit of over {$1200.00} coming this week and i 'm terrified that i wo n't be able to access it. 
Please Help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MT).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.

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 03-06-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for 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 non-monetary relief
Consumer complaint received 02-02-2016 about Credit card () with Atlanticus Services Corporation (CO).
Issue: Credit determination

Complaint: I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Auto) with First Premier Financial, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector calls repeatedly through out the day even after stating to no longer call. 
In response the collector just states that they will just keep calling. 
Which in return is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete XXXX XXXX from my report as it clearly is not mine and unverifiable upon request.

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 04-11-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a very vague letter from this " company '' attempting to collect an {$80.00} " debt '' with no information about this supposed debt - just multiple options for making a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with Patient Accounting Service Center (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.

Company response to consumer: Untimely response
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...

Company response to consumer: Closed with explanation