milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX  XXXX XXXX XXXX Acc # XXXX *XXXX XXXX   XXXX , XXXX Acc # XXXX  *XXXX XXXX XXXX Acc # 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 05/26/2017 about Checking or savings account (Checking account) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am waiting this letter in regards to questioning Rabobank standards and procedures when dealing with a claim I made on   XXXX   XXXX  2017    that I was a victim of check fraud in the amount of {$1100.00} dollars. I spoke to Bank  Manager   XXXX  face to face, without any proof or solid evidence she made a claim in quote " that should have been more responsible with my account, and not deposit fraudulent checks. '' I have been a loyal customer to Rabobank for ove r three years and as a Veteran I  was extremely offended that my Integrity would be the first thing in question. Not only do I have copies of the fraudulent checks but I have the email I sent out to Rabobank when this crime was taking place and the transaction was still pending I was able to contact the online banking department to cancel my debt card and close my online account. the result 's of the incident caused with to close my account with Rabobank and landed me on bad terms with companies that I had direct payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both XXXX & TransUnion to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the XXXX & TRANSUNION have yet to provide.

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 07/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Sale of account

Complaint: My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states " As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.

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 12-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Bank of America. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Bank of America barely tried to help me at all. I want to try to do a " chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. Thank you

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 02-05-2018 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from bank of America for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from bank of America dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks

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 04-08-2017 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.

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 09-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS. 

SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department. 

Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Medical) with Professional Finance Company, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original Debt came from XXXX XXXX XXXX. The debt was an error or their part and was not a valid debt. I contacted XXXX regarding this in XXXX of XXXX, they then contacted Professional Finance, which is the collection agency to advise this was not a valid debt, and requested it be revoked and removed form my credit report due to their error- this was not done by Profession finance. 
I pulled an annual credit report in XXXX of XXXX to discover this debt is still showing from this creditor and collection agency as an open account. So not only is it still showing as an open account, it is still showing on my credit report, which it should not be at all. 
I then contacted XXXX again in XXXX XXXX, they in turn contacted Professional Finance and spoke to XXXX on XXXX/XXXX/XXXX. XXXX advised that she would contact the credit bureaus and have this debt removed. As of today XXXX this debt still shows as an open account on my credit report. Professional Finance has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other fee

Complaint: orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Installment loan) with Retrieval-Masters Creditors Bureau, Inc. (UT).
Issue: Managing the loan or lease

Complaint: A debt collection company keeps calling me about an outstanding medical bill. They never tell me which company they are with. I have told them numerous times that they may not call me when I am at work and that they must call me after XXXX so that I can be off work when they call. They are still calling when I am at work and will call me XXXX times daily. I have told them I would be happy to pay the bill if they would mail me a settlement statement or some kind of paperwork saying the total will is all I owe and once I pay it will be paid in full. They are refusing and keep saying me they will send me a paper statement but I never receive one. They keep trying to coax me into paying over the phone. I told them I would be happy to send a check in but that I will not pay over the phone. They get mad and keep insisting I set up a phone payment for a later date. They still will not send me any kind of settlement papers or even a statement. I just got another call today while I am at work. They said they wo n't call me until after XXXX anymore but they keep calling before XXXX anyway. Usually around XXXX but sometimes early in the morning and sometimes at XXXX. They are not making it possible for me to pay them with a check and will not stop calling me multiple times a day. I am fed up and want to get them out of my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been requesting a loan modification from my bank Chase Bank for the past XXXX years and have been rejected each time. Their statement is that I can pay the mortgage even when I have presented them with documentation of my hardship. I am now resubmitting another request for a modification with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ 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 03/14/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: APR or interest rate

Complaint: Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XX/XX/XXXX XXXX denied credit card application via letter due to " The credit report shows a bankruptcy ''. Company advised consumer that XXXX  was the credit reporting agency who provided the credit report. 
XX/XX/XXXX Denial letter received by consumer. 
XX/XX/XXXX I pulled my Equifax credit report. THERE IS NO BANKRUPTCY LISTED. I do however have 20 years of credit history, 32 open accounts all in good standing or paid in full, an 8 % debit to credit ratio for revolving credit, one small XXXX XXXX dollar medical collection from XXXX that was disputed and a XXXX FICO score. 

Company appears to be using fraudalent data in order to deny credit.

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 06/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: I went a mortgage broker that I had previously work with to request for a preapprvoal for a purchase on my primary home. He is now working at Chase Bank. The initial process went fine without a hitch. However, the loan is now held up with their XXXX in XXXX, FL. No one is getting back to me on when my loan documents will be at Escrow for closing. My purchase is now out of contract and possibly I may lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX {$23000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EF Late Dates : XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.

Company response to consumer: Closed with explanation