milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Eastpoint Recovery Group, Inc (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX, XXXX. I received a call from XXXX at East Point Recovery group. My phone disconected as I was talking to him before he even had a chance to say what the call was about and inmediately he called my sister exactly 3 minutes after and then my husband. He told my sister to take a message for me to which she said she wasnt interested but if she was I am sure he was ready to disclose my debt. I do not want this company to contact me or anybody who is related to me let alone share personal information. XXXX voice on his voice mail was rude and I have no desire on having any type of contact with him. I know theyre not supposed to harrass me or any of my family members as well as not supposed to offer to leave messages for me with anyone so I hope this issue is solved.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN 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 11/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Shopped on XXXX ; was offered {$20.00} credit if I applied for card ( XXXX me, I did it ). After that, XXXX ( or Synchrony? ) apparently gave me {$20.00} but then took - WITHOUT PERMISSION, WITHOUT MY KNOWLEDGE, AND WITHOUT ANY TYPE OF AUTHORIZATION WHATSOEVER - charged that card over {$100.00} for a " XXXX '' membership ( which I SPECIFICALLY DECLINED ). After that, I cancelled my order, but I have still received the Synchrony card in the mail. It was ALREADY ACTIVATED ( apparently they have to do that to THIEVE MONEY ILLEGALLY ). 

I tried to call Synchrony to establish the balance ( for XXXX I did not want ). 

Automated phone system says if I am calling about XXXX call another number. I did. ALL IT WAS WAS ADD AFTER ADD congratulating me for this and for that ; trying to get me to spend more money ( on a free cruise, etc. - that type thing ). 

I CAN NOT REACH THEM BY PHONE. I DO NOT KNOW THE STATUS NOW OF THE CARD I DO NOT WANT / WAS THIEVED INTO GETTING.

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 03/19/2015 about Debt collection (I do not know) with SUNTRUST BANKS, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable.
2. National Banking Act.
3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act.
Evid XXXX XXXX XXXX.
ATTN : XXXX XXXX XXXX /dba C.E.O.
c/o XXXX XXXX XXXX  XXXX, OH XXXX Wells Fargo Bank N.A.
ATTN : XXXX XXXX XXXX  d/b/a C.E.O.
XXXX XXXX XXXX, XXXX XXXX, California XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
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: I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: XXXX/XXXX/XXXXDear CFPB : Chase Visa defrauds me of {$55.00} charged to visa XXXX which XXXX charged on XXXX for a plan. 
XXXX breaches agreement for the plan. XXXX bills me for services. One service is to provide working CDs. The agreement provides XXXX to provide me XXXX working CD 's. 
XXXX does not fulfill its service or its contracted promise. 
XXXX refuses to send a working XXXX ( XX/XX/XXXX ) CD. 
XXXX sent me out XXXX technically defective cd 's. XXXX knowingly sends out CD 's it knows do not work or XXXX fails to check out that they work. I conclude that the service is not compliant with the contract. I reject that I am paying for services not cd 's. 
If I pay for services of a CD and the CD is never sent so that it works and XXXX does not address this problem then XXXX breaches its service and Cd agreement. Otherwise I would be asking for the same XXXX XXXX infinitely and never get it -- XXXX would be in violation. 
Specifically I paid XXXX {$55.00} for one month to send XXXX and it was sent over and over to me and never worked and I timely complained to XXXX and XXXX just kept ignoring and sending more nonworking CDs. XXXX breaches its contract and I wont pay this {$55.00}. 
I want the {$55.00} or I want XXXX XXXX ( XX/XX/XXXX ) working now. 
XXXX does not get eternity to send me XXXX working CD. It is unreasonable for Chase to say I pay for services and permit XXXX to send nonworking CD 's over and over. It is abusive. It violates the XXXX agreement. 
I wo n't settle. Give me XXXX working XXXX XXXX ( XX/XX/XXXX ) CD now or give me a refund. 
Nothing less will do. Otherwise I will take this to small claims court. 
If XXXX sends me another cd and it is again technically not working then I will save it as evidence for court. 
Basically XXXX refuses to deal with the royalty or technical rights issues preventing my playing this CD and ignores the problem. 
It is unreasonable for me to have accept continued XXXX XXXX replacements which are technically defective. This is not living up to the agreement. Specifically if an XXXX XXXX CD is not sent within one month then I am within my right to get a refund or give an ultimatum : send XXXX working cd of easy money ( XX/XX/XXXX ) or refund. 
No more abuse of my rights. 

Chase fails to take action to get me {$55.00} or get me a working XXXX XXXX ( XX/XX/XXXX ) CD. 
Chase excuses XXXX 's breach. Chase states XXXX has eternity to send me a working CD. I disagree. I do not excuse XXXX 's breach. Fix the problem or refund. 

I want {$55.00} or I want Easy Money ( XX/XX/XXXX ) CD now and it must work. 
I do n't excuse XXXX from its contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Debt collection (Medical) with TekCollect Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Bathroom was not working and I continue to ask the landlord to fix it. Bathroom was fix, but continue to have problem with this issues. I explain to the landlord that I could n't wait a whole weekend with a the bathroom being fix. Called some in to fix and they told me that they were not going to paying for there services. Left property due to no bathroom.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with DISCOVER BANK (MD).
Issue: Rewards

Complaint: Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was issued a summons from Midland Funding LLC by XXXX, XXXX XXXX XXXX ( which lists a XXXX XXXX XXXX XXXX XXXX XXXX ) that also says XXXX XXXX XXXX XXXX with a " WRITTEN CREDIT CARD ''. Ending with a number of XXXX. 

I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. 

This summons says I have 35 days to dispute this debt in writing. 

This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! 

THIS IS NOT MY DEBT! I ca n't believe this is legal. If there is anyway that you can help me with this I would greatly appreciate it. That is all the information that I have in reference to this absurd summons I was given. Not only that it is not my correct name. It is from when I was divorced.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: We had an XXXX loan on our house. The 20 % loan, XXXX mortgage, was with BOA, Bank Of America. It was for a term of 10 years, but I wanted to accelerate the payments since it was such a small monthly payment. Every month I would pay XXXX to XXXX times the monthly payment expecting that they would apply the excess to principal. No, they DID NOT apply the excess to principal, they applied it to the coming payments. IE if I had made triple payments in XXXX, I would n't have had another due until XXXX. I called them, told them this was incorrect and their response was, " fine, we 'll fix this. Please write FOR PRINCIPAL ONLY '' on all payments in excess of your original amount. Fine, lesson learned. The next month I wrote XXXX checks, XXXX for the amount of the XXXX mortgage and XXXX clearly marked PRINCIPAL ONLY for XXXX times the mortgage amount. The same thing happened, they applied it to the coming months payments. I again contacted them and was told that it would be taken care of. Well, this time they took three months of payments out and applied this to principal, thus putting me late for the current month 's payment. At the end of XXXX years I had a ream of notes and NO patience left with BOA. they had " misapplied '' every XXXX OVERPAYMENT on my part to their benefit. If they did this with my payments I know they were doing the same thing with everyone else 's thus resulting in some heavy interest on their side. After two or three years of constantly fighting with them about this issue, and NEVER being able to reach the same person to fix it, I told my husband that we had to pay it off in full or I was going to have a breakdown. We did pay it and I was so happy ... until we refinanced and our primary loan was sold to BOA. It seems that the " misapplication '' of funds has stopped ( I still pay more than the original loan so that the principal can be paid in an accelerated fashion ) but I check every month because I ca n't trust them to do the right thing. I hate BOA from the depths of my soul and if I had my way there would be many bankers in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: Rather than respond to the complaint ( s ) Case number XXXX and XXXX submitted to CFPB, Wells Fargo Bank has sent me a Notice of Right to Cure Default for a total of {$2200.00}, which includes {$580.00} in " other charge/fee ''. 

Wells Fargo is allowed to make up any amount of charges and continue force homeowners to pay extortion payments or risk loosing their homes. 

Where is the help for consumers?

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 02/15/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Purchased our home in XXXX of XXXX. Our XXXX payment was made in XXXX of XXXX. Loan care servicing center was responsible for taking our payment and process it. We made our payments on time every month and never sent in a payment, I always called and spoke to someone and they made the payment as an ACH transaction.. Our mortgage was sold in XXXX or XXXX to XXXX. We continued to make monthly payments to them via phone. It was n't until XXXX that we called to make a payment and were informed we were 30 days behind. After many phone calls we disputed a missing payment they said we had in XXXX XXXX. After faxing and emailing proof of payment they changed the month of the missing payment to XXXX of XXXX. After this date was verified payed just a few months ago the now new date up for dispute is XXXX of XXXX. We have provided and ACH transaction proof from our bank and we 're told by the End of XXXX XXXX we would be receiving a letter letting us know the problems had been corrected and the late fees and missing payment would be resolved on my husbands credit report. This case has been escalated 3times in a year. As of the XXXX of XXXX, we received yet another email saying the ACH transaction was not enough evidence. After having a XXXXway conversation with our current mortgage company and loan care the night of XXXX XXXX, Loancare hung up on us twice and we nothing was resolved. We have sought legal advise and Loancare still refuses to fix the mistake on their end. They have our transaction for XXXX XXXX being sent back to our bank as insufficient funds. We have provided them with proof on our bank statement that it was never put back in our account and the ACH transaction was posted to the account. They have more than enough proof and are refusing to accept something happened on their end. This has been over a year we have been fighting this and my husbands credit has been ruined in the process. Attached is all the proof we have ever given them and they are still saying it is n't satisfactory.

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