milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Auto) with Michael Andrews & Associates LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering 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 07-06-2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX  of  XXXX , we were made aware of an outstanding ( prior to  XXXX  ) debt with Wells Fargo while applying for a home mortgage. Despite the age of the debt, we paid the outstanding balance so we could move forward with our loan ( oddly enough, with Wells Fargo  ) . On  XXXX / XXXX / XXXX , we received verification that the loan had been satisfied from  XXXX   XXXX   XXXX . This was then forwarded to   XXXX    XXXX  on  XXXX / XXXX / XXXX . Since  XXXX / XXXX / XXXX , we 've received threatening calls from no less than 6 different companies, threatening to sue us, come to our places of business and at one point, our employer was contacted.   Today, we received a call from  XXXX   XXXX  at  XXXX   XXXX . She left a message that we were being served legal papers at our place of employment. Provided a file number and a call back number.   We returned the call and spoke with  XXXX   XXXX , in " arbitration ''. She claimed to have a " junket ''. She confirmed the account number with Wells Fargo that has been in question since  XXXX  of  XXXX . My husband ( whose name was on the account ), stated that we would appreciate being served these " papers '' so we could respond appropriately. He also let  XXXX  know that this has been sold repeatedly and we would appreciate no more phone calls.   My husband has contacted Wells Fargo and they 've confirmed that this is no longer an active account number.  <P/> Please assist us with getting this handled. This is beyond harassment as we are both getting calls and now employers are being contacted. Despite proving evidence of our payment to several "  collectors  '', this debit continues to be re-sold.

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 06/28/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Billing disputes

Complaint: I stop a payment with us Bank for XXXX a dispute regarding XXXX XXXX XXXX XXXX # XXXX. I sent in the document from XXXX. Which this company took my money and still my car leaks power steering* pump is very lose and not secure and still making that sleeking noise* need to be flush out replace power steering pump put in an old power steering gear or never replace. They done work on my transmission pan gasket which now is leaking * put in a re manufactured power steering pump. This all happened on XXXX XXXX XX/XX/XXXX.-XX/XX/2016 every other Saturday XXXX the manger had me come down for the same problem and then said he was replacing other things on my care. XXXX was just genny pig with my care I went to XXXX on XX/XX/2016 WHICH I HAD TO PAY {$100.00} for a diagnostic test again I ( want to be refunded back as well from XXXX because I still was having the same problem and my care is in worse condition since I took my care to XXXX. I sent in document of both company and photos to us bank. Now the claim processor wants me to get a third party to prove my case. I keep asking the bank did they receive my documents/ photos that the bank fax into the claim and dispute office. ( No respond ) Why do I need to make more extra run to business to prove my case when I sent in all the information .I been long time customer that just paid off all my credited cards and now I 'm being treated like this .Please help. ** US Bank I need a safe car to drive so I do n't crash and hurt another driver due to the lack OF knowledge of XXXX!! Us Please help** I need my car done correct so it can be safe to drive.

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 05/27/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: This is a complaint against Bloomingdale 's Credit Card and Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to XXXX weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.

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 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Other

Complaint: I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Credit card) with Bleier & Cox APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: BLEIER & COX, APC ATTORNEY re-started the case on XXXX/XXXX/XXXX. They need to drop legal action due to California statute of limitation. It 's been over four years since the original file date ; XXXX ; ORIGINAL FILED DATE was XXXX/XXXX/XXXX. i do n't have any info on my last payment prior to XXXX/XXXX/XXXX with XXXX XXXX. XXXX XXXX said they will garnish my wages if I do n't pay the debt. I sent XXXX XXXX a letter via fedex received on XXXX/XXXX/XXXX. I wrote them informing the expired statute of limitation on the debt. On XXXX XXXX they filed the following after receiving my letter : XXXX/XXXX/XXXX - MEMORANDUM OF COSTS AFTER JUDGMENT ; ACKNOWLEDGMENT OF CREDIT AND DECLARATION OF ACCRUED INTEREST - LESS THAN {$100.00} FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - WRIT FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - PAYMENT RECEIVED BY XXXX FOR XXXX - WRIT IN THE AMOUNT OF XXXX, TRANSACTION NUMBER XXXX AND RECEIPT NUMBER 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 10/24/2017 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: PMAB is harassing me by re-aging an old debt to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with Transunion and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from Transunion or XXXX and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to Transunion and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Credit decision / Underwriting

Complaint: My request for a loan assumption was denied due insufficient assets. 
I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. 
Over the 7 months I continued to provide proof of reserves. 
on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 recently requested my credit reports and discovered a {$720.00} collection account ( account #   XXXX   ) being reported by   XXXX   XXXX   XXXX   in   XXXX   2017 for   XXXX   XXXX  . I was not properly notified of this debt, and therefore, was not able to request proper validation for this debt as it is past 30 days. As they are in violation of the FDCPA, specifically ( 15 USC 1692g Sec. 809 ( b ) ), I disputed this collection account with all  XXXX  credit reporting agencies to have it removed. This account came back as validated, and I believe this debt was illegally reported.

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