milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My account was approved and opened in XXXX 2017, with a credit line of about {$1200.00}. However, without any prior notice, this account was closed in XXXX 2017. I had paid the account out before the payment was due on XXXX XXXX 2017.  The payment was {$43.00} leaving a XXXX ( XXXX ) balance. I received a letter in XXXX XXXX, 2017, stating " We want to inform you that we are closing your Kohl 's credit card account issued by Capital One, National Association. The reason ( s ) for our decision is as follows : " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I have no idea what this means. I had a Capital One account that I used wisely and on purchases such as medical bills, clothing, etc. Absolutely nothing that was inconsistent with anyone 's expectation. <P/>However, I have filed several complaints regarding Capital One and its ' faulty customer service. I agreed to close this account with Capital One after receiving compensations for errors made. <P/>This appears to be retaliation as my credit is excellent and all my purchases were purchases that anyone would make. The challenge was the poor customer service with Capital One. <P/>I have not received a statement from Kohl 's or the amount that I over paid on the account prior to the company closing the account without my knowledge or my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Application, originator, mortgage broker

Complaint: The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DataMax Corporation (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my 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 explanation
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Loans recently reviewed my mortgage loan for a possible loan modification. I got the results back a few days later on XXXX/XXXX/16. I realized that not all the household income, was included in their review. My authorized third party XXXX XXXX XXXX called my CRM XXXX XXXX XXXX at Wellsfargo, who gave some information in reference to situation. Upon listening to the explanation given, the CRM suggested that, '' I should immediately appeal. '' As of today, XXXX/XXXX/16 my XXXX XXXX is still in an active Appeal Review process, however my CRM never followed up with me, ever since the process started. We called in frequently as there were concerns of a scheduled foreclosure Sale date of XXXX/XXXX/16. Wellsfargo reps often informed me that a request for postponement was filed in Court on XXXX/XXXX/16, which turned to be true. However, Wellsfargo failed to supervise the work of the Attorneys that they contracted. On XXXX/XXXX/16 ( auction day ) the court clerk notified me that the Judge did not even see the motion to cancel sale/postpone sale. He added that, " no one seemed to follow thru this. I called Wellsfargo home retention dept, who gave me a phone number to contact their attorney. By XXXX the property was foreclosed on, and reverted to Wellsfargo home loans. Wellsfago third party attorneys then followed thru after the fact, and on XXXX/XXXX/16 filed another motion to cancel/postpone sale after the fact. My primary residence is in the hands of wellsfargo illegally. On XXXX/XXXX/16 wellsfargo appointed a new CRM XXXX XXXX XXXX XXXX to my loan file. I still do n't know what they are doing about my situation. In the past, I had notified Wellsfargo that My home is not worth $ XXXX as the market for older homes in my area is a lot less. I received several property valuations from Wellsfargo in that price range, yet in reality my home is a little underwater. I have been declined for a loan modification in the past for having too much equity, which is not true at all. What a shame!!! I tried selling my home for many months, did not even get an offer. I was informed of the starting auction bid of $ XXXX, yet no one still bought my property at the auction. I realized that it is more cost effective for me to keep my residence of many years even though I defaulted due to unforeseen circumstance. Today, I can afford to pay back towards what I owe.

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 04/17/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to dispute an incorrect inquirie from XXXX on my credit report. Transunion will not allow me to file a dispute and have told me several times that I need to get a deletion letter from XXXX. XXXX keeps acknowledging that they do have an invalid inquirie on my report as I do not have an account with them. They have told me that they have filed an incident report but being that I do not actually have an account they is nothing to keep record of. They have been apologetic but keeps telling me that transunion can only remove it and they cant do anything though they are aware that I do n't have an account. Transunion tells me that it is XXXX responsibility to resolve the issue but then XXXX tells me that it is transunions power to do so. the process has continued for weeks

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 12/27/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Trouble during payment process

Complaint: Citizens one sent me a letter in respect of non-payment of the " Property Taxes. '' Not only I do not have a tax dues rather no bill even sent in yet ( according to the city office. ) This can be confirmed by calling to XXXX XXXX XXXX @ XXXX. The person I spoke to in the city office is XXXX. 

The main complaint I have against Citizens one is there non-existent customer service and wasting customer 's valuable time. The contact phone # : XXXX provided in the aforementioned letter never connects to any one in their Real Estate Tax office. It just disconnects after going through all the menu options. It 's to mention that the same complaint in writing was made to Citizens One previously, and I was promised that this problem will be rectified. It appears nothing had been done other than constant harassment of the customer. I can be reached as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX Fac : XXXX E-mail : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.

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 02/14/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2016 about Consumer Loan (Installment loan) with eMoneyUSA Holdings, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.

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

Complaint: Credit-reporting agency Equifax was hacked and my personal information, including my social security number, date of birth and drivers license number may be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Billing disputes

Complaint: In 2014, I opened an American Eagle credit card. I paid the first bill right away. This first bill was sent to the address of XXXX, MA XXXX. Then, my family and I moved to a new address which is XXXX, which is also in XXXX. After this occurrence, I never received a bill after that. Until recently, I received a bill ( letter ) which was from a company called " XXXX '' which stated that the XXXX Inc, Visa card account was moved to a different agency called " Synchrony Bank. It also informed me that the account was seriously past overdue with the bill of my total balance that was due, which I paid immediately. But the problem was that I never received any bills, letters, or phone calls between the time of these two bills, so how could I have paid the unsent bills. Synchrony bank never sent me a bill since I received my first bill, until the one that was most recently sent. 
I was filled with confusion on what has occurred and why I never received those bills. So I called customer service of Synchrony Bank. The representative I spoke to told me that my account was totally shut down. I also asked when I first received the bill and at which address, she responded with XXXX , and it was received 2 years ago which was correct. Then I asked for the new address, and she told me the new address was XXXX, which was incorrect. The address was actually XXXX and not XXXX. The representative said someone at the company put in the address incorrectly, and the system saved an incorrect input that Synchrony bank inserted. This meant that I was not at fault and Synchrony bank was the one who inserted my address incorrectly, causing my credit score to fall. 
After the call, I sent a dispute letter to Synchrony Bank which stated the mistake that they made. Synchrony Bank sent me a confirmation letter back stating that they have verified the account being paid in full. It also stated that " we have contacted the consumer reporting agencies XXXX and requested that your account record be updated to reflect the status : account Paid in full, was a charge off ''. So again I called Synchrony bank asking if the letter was actually sent because I have received no further information in over 2 months. The representative told me the update status was sent, and the account was updated to fully paid. 
In conclusion, I still see no change in my credit score. Nothing has even occurred or even updated to my credit score.Synchrony Bank inputted my information in incorrectly in the system, due to this mistake I have to suffer the loss of my credit score. My credit score remains as it was when it dropped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.

Company response to consumer: Closed with explanation