milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Capital One closed my 360 checking account stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. An absolute bait and switch here. They also closed my money market and credit cards which I have with them for many years. For {$400.00} that seemed like a desperate move. 

I filed a CFPB complaint on XX/XX/XXXX for the same issue in which the response was they never received the direct deposits required for the {$400.00} sign up bonus. However, I had direct deposits from XXXX XXXX posted shortly after account opening. The online website wo n't show my checking account history now which is super shady. I attempted to call the contact person XXXX XXXX many times but she never picked up my phone call. I do not know what has become of Capital One but I am hoping CFPB can provide justice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several remarks listed on credit which do not belong there. No verification is obtainable and the following remarks need to be removedState Tax lien # XXXX XXXX # XXXX Outdated and inaccurate all XXXX XXXX accounts are open and active and paid on timeXXXX XXXX XXXX Inaccurate and needs to be removedXXXX XXXX XXXX XXXX Unknown and no such debt owedXXXX XXXX XXXX Unknown and tried to request verification nothing is obtainableI want the above removed off of my Experian credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.

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 08/25/2016 about Payday loan () with loanDepot.com, LLC (GA).
Issue: Can't contact lender

Complaint: I am having financial difficulty and have asked the company to refinance to a lower interest rate or if they had a hardship program and they insist tbey do not. They are not willing to help me at all lower my payments! The company is Loan depot.I just want them to work with 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 01/24/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Last XXXX I received a phone call to my work phone from an agent of Account Services intending to collect a medical debt from several years before. I was surprised as I had never provided that phone number to this company nor to the doctor 's office, and of course neither permission to call me to my work phone. 
As the XXXX XXXX ( XXXX visit to the doctor for a check-up that generated XXXX different low amount bills ) provided were performed several years before and I always pay my bills on time, I was quite thrilled about this communication. I did not have record of payment or non-payment of the bill as they were years old, but I had no problem on paying the bills if they existed and were accurate. I called Account Services and requested a debt validation of it before paying the debt. When I spoke with the agent ( a woman ) she never advised me that the request had to be in writing, but stated that the debt validation notice would be sent to me and that then I would pay. I had received previously a letter from the company stating that the debt validation request had to be in writing, but as the collector told me that they would send it right away and that I would pay upon receiving it, she made me thought that collection efforts would stop till such validation was provided and that I would just have to pay once the debt was justified. 
Since that communication, I never heard again from Account Services, so I figured that they could n't validate the bill or there was some sort of mistake. Last week I was applying for a new apartment lease, so I went to XXXX XXXX to check that everything was in place in my credit report before the credit pull was done. I was astonished when I found out that Account Services has been reporting several medical bills as delinquent. I feel absolutely deceived. This is outrageous. I 've never stopped paying a bill on time. I even told them that I would pay immediately as soon as they proved the debt. I relied on their agent 's word, and in return my credit report is completely destroyed. 

I hope you can help me with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with First Data Corporation (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Retail Merchants Associates (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.

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 EQUIFAX, INC. (TX).
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: My Mortgage was transferred in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX  that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Payday loan) with EZCORP, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: EZ loan is the place that is harassing and threatening me calling my job and calling my cell after I have advised them NOT TO USE MY CELL AND HARRASS ME, I HAVE CALLS RECORDED WHERE IT IS A JOKE AND THE FOUL LANGUAGE THAT THEY USE.

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a payment due in the amount of {$54.00} due XXXX XXXX, 2017. I paid said payment over the phone on XXXX XXXX, 2017. Chase credit cards automated payment system confirmed the payment was made. But days later i received a telephone call saying the payment was returned because the automated system got my bank information wrong. I checked my bank account the funds were still there. ( So it was n't due to lack of funds ) chase had just got my info wrong. So i called customer service 3 different times and tried to reason with them because my new statement is for {$180.00} because they charged me the XXXX that they never got because they got the bank info wrong, a XXXX late fee and XXXX in interest plus the next months payment of {$54.00} this was a mess up on their end of which they have admitted fault for in the past and had to fix but this time they refuse to work with me even though the whole issue is that their automated system got my bank information wrong and they charged me fees and interest as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company, and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX, after keeping the deposit. Car had minor wear and tear, which was supposed to be free repair per Ally booklet. 
Called them many times, spoke with agent and disputed charges. But the kept on sending threatening letters and sent to Ally asset recovery Center. NO help. Many similar reports on Internet about this ripoff

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 12/25/2016 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Georgia Student Finance Authority (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

Company response to consumer: Untimely response
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Sarma (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
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: For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. XXXX  gets away with XXXX and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. XXXX refuses to investigate again after they did one time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Managing the loan or lease

Complaint: I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation