milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY ().
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I am living in XXXX but worked 2 months at the University of XXXX in 2011 and opened a bank account at Wells Fargo that time. I have about {$800.00} in my account and requested a credit card to get access to my money. The bank refuses to send me the card to my home address ( although this is the address they have in file ) and the only option they offer to get access to my money is that I should personally visit a branch. Of course the time and cost for travelling from XXXX to USA is  more than {$800.00}, so it is impossible in practice. They state that they can not verify my identity otherwise and rejected my suggestion that I will scan my ID or proof my identity otherwise. Thus, Wells Fargo do n't offer me any way to get access to my own money.

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 04/21/2017 about Debt collection (Auto) with LOBEL FINANCIAL CORPORATION (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan is currently serviced by Ocwen Loan Servicing. Ocwen currently has the outstanding balance listed at {$1000000.00} ~ see attached. They also have the interest rate set at 10.7 %. Since my mortgage loan payments and overall balance have adjusted upward sharply, I have requested a detailed accounting ledger and proof of the current serious interest rate increase. Ocwen has ignored my requests. Ocwen has recently sent a trial loan modification offer to me ~ see attached. They have stated the current payment will be figured off a {$580000.00} figure, but they have not advised where if the rest of the balance will be written off, forgiven or deferred via balloon payment. There is also no amortization schedule or interest rate listed. The loan modification offer lacks clarity, which is a requirement per the National Mortgage Settlement of XX/XX/XXXX. I have a pending foreclosure hearing on XX/XX/XXXX and Ocwen is stalling on responding my critical questions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX-XXXX-14, when I was only XXXX, an account was opened with XXXX XXXX. The account was sent in to PINNACLE LLC C/O RESURGENT CAPITAL SERVICES for collection for an amount of {$380.00}. At this time I was not even of legal age and nevertheless had no idea of how to apply for credit of any kind. I am positive that I did not open this account. I did not even have a cell phone at the time. I have tried to contact the company but I can not get in touch with anyone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with MEMBER FIRST MORTGAGE, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied to refinance my FHA loan to a conventional loan because of the cost of mortgage insurance. At first I was told by the new bank doing the refinance that they could get rid of my mortgage insurance to lower my monthly payments from XXXX  to about 1600.00. That did not work out for some reason. About a week ago I spoke to the representative of The lender broker of XXXX XXXX XXXX XXXX   and she assured me I will be able to save XXXX a nd that will increased to XXXX  because my mortgage interest will disappear. 
On Friday evening (XX/XX/XXXX), I received the final figures for closing on Wednesday XX/XX/XXXX. 
This is what I found:
1) my interest rate is gone from 4.750% to 4.875%.
2) My principal has jumped from $XXXX  to $XXXX
3) Instead of the XXXX dollars I was promised to save XXXX I will save XXXX.
When I factor in my new interest rate and the new principal I gain nothing. I am therefore not going to sign any documents to finalize the refinancing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I previously submitted a complaint to the CFPB concerning Chase Bank 's refusal to accept a properly endorsed check. That was Case number : XXXX. 

Since then, it appears that Chase has chosen to retaliate by closing my accounts. They did so on XX/XX/2016 without warning, without notice, and without my consent. Meanwhile, Chase has refused to tell me why my accounts were closed, and they have refused to give my money to me. I was told on XX/XX/XXXX that I might be able to get my money back on XX/XX/2016. 
Obviously this is an unfair situation. To retaliate for the prior complaint, Chase has STOLEN my money. I am a single parent, and I need this money. It is the only money that I have. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX in XXXX, WA has a " Collection/Chargeoff '' placed on my TransUnion credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted TransUnions but they will not remove it without XXXX XXXX consent.

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 05/13/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank/US Bank Home Mortgage has been unwilling to work with me to modify the terms of my home loan. I have consistently submitted all paperwork requested, all to no avail. They constantly lose the documents I send ; send correspondence from all over the United States ( oftentimes, not to me ) ; no one can give me a status, stating instead that I am in " underwriting. '' You often do not get to speak with the same individual so you are made to feel like you are running in circles. I have been dealing with their unprofessionalism and do not care attitude since XX/XX/XXXX. It should not take 5 years to do a simple loan modification. I have explained to them that we are upside down on our mortgage, I have been unemployed since XX/XX/XXXX, and that my husband is a United States Veteran. I still can not and have not received any relief or any clear indication of what exactly it is they need from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened an American Express Platinum card with a XXXX bonus point offer this past XX/XX/XXXX. During the application, it asked me for my income, and, as I was a XXXX XXXX at the time, put {$0.00}. My card was still approved. For the first payment, I forgot to inform my checking account bank that I had a new credit card, so when they saw the payment, they flagged it as fraudulent. I straightened it out and paid off my debt as soon as I realized.
I met the spending requirement for the bonus points, but never received the bonus points or spent any bonus points at all. The account was fully paid off.
After this, American Express canceled my Platinum card. They say it was due to my {$0.00} income ( which they knew about when I applied ) and due to the fraud alert on the card ( which was not a genuine fraud ). I spoke with them on multiple occasions and was assured once I started my new job this summer after XXXX that they would reinstate the account.
I have now started my new job and called American Express to reinstate my account. They told me I would have to apply for a new Platinum card as they can not reopen the card. They told me that I will not be eligible for the XXXX bonus point offer because I previously held a Platinum card ( despite not receiving or using any bonus points whatsoever ). They refused to compromise on this situation and instead offered me a Platinum card without any bonus points attached at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with MedRecovery Solutions, LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has sold my credit and put it on my credit report yearl resulting in negative score. The debt is old. So I dont know how it continues to show up as new every few months

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has re-added XXXX accounts on credit report that were deleted. i have attached the XXXX from XXXX for these accounts. 

Every week I am disputing these after they are added back on my report. 
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.

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 08-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?

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 10/22/2015 about Consumer Loan (Installment loan) with Marlette Funding, LLC (NC).
Issue: Shopping for a loan or lease

Complaint: I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i disputed fradulent inquries and accounts and they were not investigated properly and not removed from credit file

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 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my requests to investigate and remove accounts from my credit file that do not belong to me.

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 06/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: They called my neighbors  and call late and harrased me ,said i need to goto worktold them i was sick.etc

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Customer service / Customer relations

Complaint: I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Payday loan () with BlueChip Financial (IA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Credit card protection / Debt protection

Complaint: Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.

Company response to consumer: Closed with non-monetary relief