milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Loan) with LENDING CLUB CORP (PA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a writ of garnishment from the payroll department of the job I have only been at for a month, The Collection Agency is Wakefield and Associates In the Writ of Garnishment is my full Social Security number and my entire date of Birth, the Creditor is XXXX XXXX, asking for {$1600.00}. I had XXXX XXXX as my Medical Insurance Company in XXXX but all premiums were taken out of my check and I never owed them any premiums. My Daughter had XXXX in XXXX when she was XXXX but what the insurance company did n't pay I paid. There is nothing owed to XXXX XXXX., a copy of the original court document says XXXX XXXX XXXX in XXXX XXXX Court but I have never been served any court papers by XXXX XXXX or Wakefield and Associates. I have absolutely no idea what this is for .Wakefield and Associates have never communicated with me either by phone or mail to allow me to respond to this, and dispute it they have just filed a garnishment on XXXX XXXX, XXXX. This needs to be immediately stopped

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had XXXX in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had XXXX of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency XXXX without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from XXXX and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equi fax , Inc.  is not reporting the correct i nformation from the employer in that on the amount paid not showing Historical Account Information whi ch is incorrect. I told Equifax this on several occasions but still doing it. The information show that on  XXXX /2017 no data available but at the top the last payment was on  XXXX / XXXX / 17  for {$90.00}. The historical account information is what Equifax is adding to the account which is incorrect. On  XXXX /2017 showing no payment but show amount past due as {$0.00}. I need for Equifax to stop using historical account information because it is sending the wrong message and this is what Equifax is doing on its own and need to stop because this is hurting my credit report Instead of putting down date of payment, balance, amount of payment, schedule payment and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To Whom It May Concern, This letter serves as my formal complaint against the abusive debt collection practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
During the days of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act. 
Repetitious Phone calls telephone records list 25 calls in the said time frame Harassment/Intimidation- I explained my current situation ( I have been diagnosed XXXX and am in the benefits appeal process ) and that i intended to pay despite this to representative  during recorded phone conversation on XXXX XXXX and Representative ( XXXX ) continued to harass and intimidate me into making a payment stating to me : what form of payment would you like to make debit or check? I assume you intended to pay when you made the purchase you will continue to receive calls until payment is made so you dont want my help today I assume you do have a financial source people have to have a financial source to survive collection efforts will continue Many people pay us off- call on friends and family, get a loan, they ask spouse to help there has to be payment on a bill Failure to notify me of my right to receive verification of debt Failure to provide me with a validation notice containing key information about the debt and the consumers rights within 5 days of initial contact, XXXX XXXX XXXX Failure to inform me that I can dispute the debt Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX XXXX XXXX XXXX ) for the address of XXXX XXXX XXXX XXXX XXXX, telephone number of XXXX and name of supervisor on XXXX/XXXX/XXXX. She did not provide the requested information to me. 
I returned call to XXXX XXXX ( XXXX representative ) on XXXX XXXX as scheduled and my call was not transferred as requested. 
I have attempted to resolve the issue. I have not submitted a formal complaint to the company, because i was not provided with contact information. 
Your attention in this matter is appreciated. 
Sincerely, XXXX XXXX cc/al Kentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing

Complaint: Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on google maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On   XXXX   XXXX  , 2017 i recieved a charge to an annual fee for capital one. I contacted them and notified them i would n't be able to pay off the fee due to my college tuition being at $ 11,000+. I also made them aware that i have been with capital one for 2 years and that i have always held a responsible account ownership. This is in regards to my credit card ending in  XXXX . I mentioned to the customer service representative that i would consider closing the account if necessary.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continuously applies my payments toward the principal of the loan against my payment instructions. I try to stay one month ahead of my mortgage and each month I make a payment towards the upcoming month. I called Nationstar on XXXX/XXXX/16 to advise them the company keep misapplying my payments. I was assured that the payments would be corrected in 5 days. Roughly 20 days later, the payments were not corrected. I called again on XXXX/XXXX/16 and was assured my payment would be updated correctly. In addition, Nationstar billed me a higher monthly payment. When I made that payment, I was told I needed to pay {$73.00} more if I wanted to have my account reflected to the correct payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pay it on XX/XX/2017. But it still show on my credit report. They never toll me they will put it on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: i had a debt with XXXX that was turned to a collection agency The CBE Group, when I made contact the advised that if I set up payment arrangements they would not report to credit bureau, I set up payment arrangements and the deductions are being taken at XXXX and the final payment on XX/XX/XXXX. On XX/XX/XXXX they repoted the debt to the credit bureau after it was clearly advsd that this would not happen. I have been allowing them to deduct electonically from my bank account. When I asked why they did this the stated that the bill was to be paid by XX/XX/XXXX which no one advsd me of. This is not the agreement that we came to and now they are refusing to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I submitted a complete request for Mortgage Assistance application with Chase for my Loan # XXXX. I provided all the requested income & hardship verification documentation in order to be considered for available home retention options to avoid imminent default on my interest only HELOC that I have only been able to make the minimum payments on since the loss of my business and my divorce by exhausting my retirement savings. On XX/XX/XXXX I was notified by my lender that my request was denied because my payments are being made & I am not currently in default. The account representative stated that this was the investors decision however if I did end up defaulting on the loan that I could submit a new request for assistance at that time or file an appeal. This is unethical being that my loan is an old Washington Mutual Interest only loan with a balloon payment which means I have an option to pay the minimum payments however if I do so when the very last payment on my 1st mortgage is completed in XX/XX/XXXX I would owe the balance of the HELOC XXXX to be paid within 30 days or my home will be subject to foreclosure a stipulation of the agreement I did not fully understand at the time. I will be almost XXXX XXXX XXXX at that time unable to meet that requirement and ultimately will loose my home. Chase has put me in a very uncomfortable position with this decision as I have never been offered any type of assistance in the pass. Please advise if you can be so kind as to assist me with this.

Company response to consumer: Closed with explanation