milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit determination

Complaint: In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America has reported on my credit report for  XXXX  that I had  XXXX  payment s 30 or more days past due this information was and is incorrect i have sent numerous   letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the bank of america numerous document showing past mistake of my payment that were misapplied b y thier associates yet they still will not correct my credit report the bank of america has the wrong infor mation on my payment, balance last payments amount made & ect i  have recently sent them a letter  ( This is the exact letter ) a nd other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting Bank Of America  Address    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blan k ) &  Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accoun t s after d ue date. I ( Blan k ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made (   XXXX   XXXX   XXXX   XXXX   ect. ) Pleas e Mail this information ASAP

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 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (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: On  XXXX / XXXX / 2017 , USAA was contacted regarding information being reported on my consumer report from  XXXX   XXXX   XXXX . They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by  XXXX , and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number  XXXX .

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: on XX/XX/XXXX {$220.00} was automaticly taken from my Five Star Bank account by XXXX. The due date for the credit card bill was XX/XX/XXXX as stated on my bill. On XX/XX/XXXX and XX/XX/XXXX three over draft charges for {$40.00} were applied to my five star bank account, {$120.00} total. I spoke to a representative at Barclay who credited my five star account on XX/XX/XXXX the amount of {$120.00}. on the same day the {$120.00} fee was then added to my Barclay credit card. I spoke again to a representative at Barclay and got the run around. The card is now closed and I paid off my debt on XX/XX/XXXX. The {$120.00} fee is still on my account! I have received two letters from Barclay one stating my inquiry has been resolved. date on the letter is XX/XX/XXXX. on XX/XX/XXXX I received another letter stating there is a {$120.00} balance still on my closed account. Please help with this mess. Thank youI

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 04-05-2017 about Debt collection (Medical) with DRS Financial LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.

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 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2000.00}.

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 12-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX aka Navient aka XXXX XXXX ( predatory actions - collecting on charge off student loans ) XX/XX/XXXX it discovered {$450.00} was garnished from my pay and again XX/XX/XXXX. My company was not able to provide any details. 

After much research the company garnishing my pay was identified as XXXX. I immediately contacted XXXX ; XXXX would not provide any information regarding the loans and insisted that it was a court judgement. 
After several request, XXXX have not provided court records to substantiate the court judgement or loan origination information. 

XXXX informed me they are collecting {$90000.00} for a loan. I had co-signed student loans in the sum of {$20000.00}. for my son to attend the XXXX XXXX of XXXX XXXX, Florida. 

I needed to gather whatever information I could regarding the loans while diligently making payments. 
So, I reluctantly entered a payment schedule under due rest to avoid negative reporting to the credit bureau and potential termination of my employment ( I was an XXXX XXXX XXXX XXXX XXXX XXXX ). 

I completed the trial payment was turned over to Navient to complete the payment of $ 90,000.00+. 

Research showed my son defaulted on the loans while he was unemployed and began repayments arrangements with XXXX XXXX. The loans were charged off by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

How do I resolve this matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.

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 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2018 about Debt collection (Other debt) with Perfection Collection (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX. 

I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score. 

I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Closing/Cancelling account

Complaint: I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.

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 04-04-2017 about Debt collection (I do not know) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with Capital Accounts, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.

Company response to consumer: Closed with explanation