milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have an Easy 5 year mortgage from Capital One 360. I have paid all but just under {$4000.00} on it. I have been making payments online for 5 years, and the loan is due by XXXX XXXX, 2015, as it has a balloon. I went online today, Thursday, XXXX XXXX, 2015, to pay off the loan, but for some reason, Capital One is not allowing me to pay the loan off. They are forcing me to make payments by certified check or wire transfer. Even if I wanted to may the small biweekly payment, which is around {$80.00} bucks, it wo n't allow it. I spoke to XXXX employees, who stated, " The loan has matured, you ca n't make any payments. '' This loan is not even due for over a month, and I have a biweekly payment that ca n't be made because of this nonsense. I have never been late on a payment before, and they are using their power to force me to make expensive payments, when there is no reason why I should not be able to make a payment online. I repeat, this loan is not due until XXXX XXXX, 2015!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.

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: Last night Equifax announced a major security breach. 

My account information, amongst millions of others, has been comprised and probably sold.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. Portfolio  Recovery Associates  does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX name affiliated with my credit score. How is this possible, and did this person take out any lines of credit in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed

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 card () with CAVALRY INVESTMENTS, LLC (NY).
Issue: Billing disputes

Complaint: XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: During my investigation LexisNexis states and reported that I lived at   XXXX   XXXX   XXXX     XXXX   XXXX   NY or is accurately associated with myself at time of claim in question dated  X/XX/13 . What I have found is there is no such address on   XXXX   XXXX   NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that   XXXX   XXXX   XXXX      XXXX   XXXX   NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on  X/XX/13  as it is flawed with false statements also inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with PAYPAL HOLDINGS INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!

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 10-08-2016 about Debt collection (Credit card) with Continental Finance Company, LLC (NV).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   XXXX   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 08/18/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XXXX but openedXX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be.

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 02/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Unsolicited issuance of credit card

Complaint: This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: APR or interest rate

Complaint: I contacted Chase Bank to assist me with XXXX Chase cards who 's interest rates on the debt have imposed financial hardship on our family of XXXX, with XXXX children in College. While we always pay our debts, even cashing in much of our retirement to do so, Chase 's unwillingness to consolidate the {$14000.00} on my accounts and lower the interest rates inhibit my ability to pay off the principal balances, and threaten the well-being of my family. Chase offers numerous opportunities for kids of different races to lift themselves up, and posts pictures of " One Republic '' concerts, and yet can not help the average American family who is honestly trying to do the right thing. I could just not pay the bill and let it go into bankruptcy, but yet I am trying to pay what I owe. This is a massive bank offering Chase Slate members 0 percent balance transfers for 15 months ... why can they not help me put this {$14000.00} debt into one place and assist me with my efforts to pay what I owe? And Chase Bank is claiming " Corporate Responsibility! '' They are only responsible for leading the American Family into massive consumer debt and relying on Social welfare in their retirement, when they have none to rely on, because they are too busy scamming the consumer on interest rates that are prohibitive : 29.9 % - 16 % ( My interest rates. )

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, 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: Please reference complaint number XXXX. 

Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Taking out the loan or lease

Complaint: I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX # XXXX is paid in full an out dated

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 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The credit reporting agency will not block the fraudulent addresses and accounts off of my credit report due to fraud. I have disputed these same items over 2 years.

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