milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not

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 06/14/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian permanently blocked and deleted XXXX XXXX XXXX  from reporting on my credit profile on XX/XX/ but onXX/XX/XXXX they reinserted the account on my credit report. The account is a fraudulent account in the amount of {$25000.00}! Per FCRA section 611 Experian has to notify me within 5 business days after the reinsertion it is now XX/XX/XXXX and I have yet to receive a certified letter regarding why the account was reinserted. I have filed a complaint with the attorneys general office so I have exhausted all of my resources trying to resolve this issue! The only option I have left since Experian is illegally reporting inaccurate information is to file a lawsuit against Experian regarding illegally reporting fraudulent accounts!

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 non-monetary relief
Consumer complaint received 03/14/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: or your information I also submitted this complaint to the Federal Trade Commission. I ordered XXXX products online from the merchant ( XXXX ). The cost per product is only {$4.00} each. I was made to believe that this is the amount i have to pay for each product. But when the bill statement came, I have to pay {$92.00} for each product ( 2 XXXX ) and {$97.00} for each ( 2 XXXX ). I would NOT have agreed to pay those amounts if only I knew the merchant has indeed truthfully posted the terms and conditions before the checkout. I filed a dispute to the Citi Cards company. But The Citi Cards company has informed me that they are unable to assist me with the dispute due to the terms and conditions of the merchant ( XXXX ) prior to the checkout. But the truth of the matter is that there are no terms and conditions Prior to the final checkout or placing the order. I was misinformed. I did not attempt to cancel tjis transaction because I was made to believe this is only a one-time purchase. I did not dispute the original charge because i was made to understand that I would only be charged {$4.00} for each product. I did not agree to be charged with {$370.00} for the XXXX products or items. In fact, I returned the XXXX package with the ( 2 ) items or products to the merchant upon learning the real cost of it. The merchant will not acknowledge it that I returned those XXXX products even If I have the U.S postal receipt because they told me I did not inform them before i returned. I tried to convince the credit card company not to allow the merchant to charge me because i was misled and misinformed by the merchant. But Citi Cards decided to favor the merchant for they received the papers from the merchant stating that I agree to the terms and conditions prior to placing the order. I told them It was a lie. If they check the website, the merchant did not post the terms and conditions before placing the order. I told them the papers they sent was fake and false. There was no Terms and Conditions that were posted online Prior to the purchase or prior to the checkout. I told the Citi Cards billing dispute department, they can check it for themselves if what the merchant said was true or not. But they ignored me. I told the Citi Cards that I am not paying those charges even if they already made the decision because the merchant 's practice is questionable and their procedure is unethical and irresponsible.

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 01-06-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is to Synchrony Bank / Care Credit. 
I have a document I sent dated XXXX/XXXX/16 which disputes the collection and requested validation bearing my signature, showing that I ever had a contract obligation to pay them. 

After the 30 days there was no response of dispute on credit report. the account was sold to 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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WAS LOOKING AT MY FREE ANNUAL CREDIT REPORT, AND I MADE SOME DISPUTES, AND WHILE LOOKING, I GOT LOGGED OUT -- DELIBERATELY THIS SCUM. I HAVE A RIGHT TO ONE FREE ANNUAL CREDIT REPORT, AND HOW DARE THEY PULL THE NONSENSE. I SAW PROBLEMS, AND DISPUTED, AND THEY KNOW KNOW KNOW KNOW THEY ARE MAKING HUGE MISTAKES, BREAKING THE LAW, SO THEY WANT TO LOCK PEOPLE OUT. 
I FOLLOWED THEIR ONLINE INFORMATION TO " CONTINUE VIEWING YOUR CREDIT REPORT '' HOWEVER, IT WILL NOT LET YOU -- GET TO THE LAST PAGE, THEY WANT 1 ) MONEY 2 ) MAKE YOU JUMP HOOPS BY NOW HAVING TO WAIT FOR THE MAIL. LOOK, I SAW IT ONLINE, I AM UTTERLY BLOWN AWAY THESE XXXX HAVE THE NERVE TO LOG YOU OUT AND MAKE IT A XXXX BECAUSE YOU FIND MISTAKES. 
I WAS NOT FINISHED. 
THESE COMPANIES LEADIGN WITH XXXX ENGAGE IN SO MUCH LAW-BREAKING ACTIVITY AND SO LITTLE IS DONE. IT 'S HIGH TIME CONGRESS CHANGE EVERYTHING AND START HOLDING THESE XXXX, EXPERIAN AND XXXX ACCOUNTABLE. 
ALL THEY WANT TO DO IS FORCE YOU TO BUY THEIR " PRODUCT '' THEN THEY WILL FOLLOW THE LAW. 
THAT IS EXTORTION. 
EXTORTION IS ILLEGAL. 
I WANT MY CREDIT REPORTS. IT HAS BEEN A YEAR AND ONE MONTH.

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (DE).
Issue: Deposits and withdrawals

Complaint: Money was taken out without my authorization in the amount of  XXXX  dollars a transcation transcation of  XXXX  in  XXXX  Delaware and one for  XXXX  in Wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to 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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Billing disputes

Complaint: Late XXXX/Early XXXX I contacted Barclay Card US to dispute a merchant charge From XXXX for XXXX due to me not receiving the product that I ordered. 2 months pass with no contact from Barclays then I log into my account to see that the charge had been charged back to my account. I contacted Barclay Card US again on XXXX/XXXX/16 when I noticed the charge had been charged back to inquire why and they stated because the merchant was able to provide my Name and Address. My reply to them was " The whole reason the dispute was submitted was because I never received the Product '' I never stated that I did not place the order with them. So It does n't matter if they were able to provide my name and shipping address If I never received the product and that is the reason the dispute was submitted. I also tried to contact the Merchant XXXX regarding the charge and to request a Shipping tracking number. The Merchant never responded after numerous attempts to contact them and numerous emails sent. No shipping confirmation was ever provided. And I 'm 1000 % sure they were not able to provide any shipping information to Barclay Card US. I need this charge and all interest associated with it to be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capitol One closed both of my credits cards due to 1st party fraud, even though they put me on a payment plan to help with payment. Since I was struggling to make the payments. Due to the fact that I am recovering from a XXXX XXXX to have XXXX XXXX  of a XXXX XXXX removed. Do to the XXXX I have XXXX  issue 's and forgot to give the my new account number.. So they were not receiving payments from old closed account. When I realized what was going on I called to give the new account number. After taking 2 payments on the cards, they then proceeded to tell me thew accounts were closed. No emails, no notification of any kind.. I told them I was n't making payments until this was dealt with. They have taken 3 payments since..

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.

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 04/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.

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