milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On  XXXX / XXXX /2017 I received A check From A   XXXX   XXXX   Job I Applied For Off Offline, With The Check Was Specific instructions Too Deposit The Check Into My Account & Proceed To   XXXX   XXXX    To Complete The Assignment My Pay Was   XXXX   Dollars & With The Rest I was Suppose To Complete A   XXXX   XXXX   Assignment On The Company   XXXX   XXXX   ... I called Capital One After I deposited It, To Check On it & I was Told My Account Would Be Closed Because The Check was a scam I Pleaded My Case I honestly Thought It was A Legit   XXXX   XXXX   Job I had No Idea The Check Came  XXXX  Priority I 'm So Afraid I Didnt Know The Check or company Was part of a Scam I never Would Have deposited It Into My Account I Never Gave The Company Any Of My Bank Account Information I only Applied With My basic Info Which I explained That To The Agent From Capital One I was Talked To Very Rude & Treated Like A Criminal

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYL Collection Service account # XXXX did not provide adequate verification for debt in question no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On  XXXX   XXXX ,   XXXX  , I called TransUnion to dispute the inquiry on my credit report. When speaking to  one  of Transunion 's employee 's, I was informed that the inquiry would be coming off my credit report in  XXXX  so there was no further action needed. It is very unprofessional to ask someone to wait to have inaccurate information on their credit report just because it will be removed in a few months. On  XXXX   XXXX ,   XXXX  , I sent a certified letter to Transunion asking to remove an inquiry on my credit report as I have not requested the company to run my credit. I received an updated copy of my credit report on  XXXX / XXXX /  XXXX   which is still showing the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX, in response to the XXXX breach, I attempted to place a credit freeze with TransUnion and was told that it would be a {$5.00} fee. This is appalling considering the extent of the breach and experts recommend protecting your credit by placing a freeze. However, if you have limited resources, this fee restricts your ability to place this freeze. Your agency should take the lead on prohibiting credit monitoring and reporting agencies from taking advantage of individuals who want to protect their credit by charging them a fee.

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 06/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IA).
Issue: Rewards

Complaint: I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TN).
Issue: Struggling to pay mortgage

Complaint: Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

THANK you!

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 06-02-2016 about Consumer Loan (Installment loan) with Continental Finance Company, LLC (NH).
Issue: Problems when you are unable to pay

Complaint: I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.

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 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Trying to refinance my loan to lower rate with J P M Chase already have existing loan, they have gone from {$7.00} to closing the loan to {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient Continues to remove me from the income based repayment plan without notice. They change my monthly payments without email or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Billing disputes

Complaint: Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: 1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX states the Creditor to whom the debt is owed as Bank of America, N.A. s/b/m/ to BAC Home Loans Servicing. ( enclosed ) 2 ) The true secured creditor was revealed by BAC as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX XXXX on behalf of Bank of America. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of BAC Home Loans Servicing as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

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 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A collection company has put an adverse account on my TransUnion Credit report. The collection agency would not help me to resolve this account ( as it was paid in full directly to the provider back in XXXX XX/XX/2011 ). I submitted all necessary information for TransUnion to directly contact the provider who can show full payment on this account. TransUnion will only contact the collection agency to verify accuracy of the adverse account ; which they continue to say is accurate. The other XXXX credit agencies have removed this account from my report. I am at an impasse on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other transaction problem

Complaint: I had made purchase of litecoin from Coinbase a few weeks ago paying their fees and their basic cost. I happened to check my bank statement and they withdrew XXXX usdt from my bank account overdrafting my account for an unauthorized payment of the same exact amount I had paid weeks prior. I had called and confronted them and they said they cant discuss it further with me and hung up on me. I am one of many who has had this happen to them. No purchase was authorized and nothing was given in exchange for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service issues

Complaint: This is now the 2nd complaint on the issue as the first time PayPal said there was no problem, I should be able to log in and that was quite some time ago but I tried again to reset the password and jumped through their hoops, wasted more time but still ca n't. The primary complaint is I feel this is retribution from a previous issue had with them and tremendous failures handling a return. Perhaps they were even offended I did a credit card dispute as well. One issue the CFPB should note is that extra attention should be paid when a company positions itself where consumers have a difficult time finding a comparable service. I think companies like PayPal see this as an opportunity to not care and do things like such retribution ... Basically PayPal should be regulated like a utility until or unless they end up with more competition.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Auto) with Weber & Olcese, PLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was included in bankruptcy and my wages are being garnished for it now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is my third attempt to have Experian correct and stop it 's erroneous sharing of unlawful and outdated credit information. However Experian continues to stand by their erroneous behavior. Experian 's last offer of an explanation to my last Complaint claiming that they were unable to address the issues that were made in the Complaint because they were not specific. The initial Complaint outlined the problems/issues in detail and Experian fail to offer an explanation by providing me a copy of my Credit Report, which did not reflect what they were sharing with Creditors therefore I filed a second Complaint.

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 01-12-2017 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Transaction issue

Complaint: First I am complaining about a fraudulent transaction by XXXX on my Barclay MasterCard ending in # XXXX. I made a legitimate purchase on XX/XX/2016, but after much delay in receiving my purchased items. I contacted the company directly, and hey hold that per XXXX the package was delivered and signed for. However, while I can not dispute what XXXX claims to have occurred, I can attest, that it was not me that received and signed for the package and I have not received them to-date. 

After speaking with the vendor and getting nothing of production, I 'm forced to begin acting as my advocate in the return of my $ $ and must purchase elsewhere.. It is not my responsibility to find the package they sent, it is their responsibility per XXXX policy ... as the shipper. Me as the receiver, I can not compel anything in regards to the transaction between XXXX and XXXX ... 

Secondly, I am complaining about the transaction dispute process that prevents ease & simplicity vs requiring either fax or written complaint ....

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