milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim of XXXX XXXX inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violates Hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Customer service / Customer relations

Complaint: On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.

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 07-01-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: APR or interest rate

Complaint: The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me 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 explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: One XXXX XXXX, 2017, I had an account balance of beginning balance of {$220.00}. An ATM withdrawal for ( {$100.00} + {$2.00} fee = {$100.00} ) was debited to my account. That left a balance of {$120.00}, which Capital One ( Bank ) debited an ACH charge for {$71.00}, leaving a balance of {$49.00}. The issue I have is with the following two debits. The Bank then debited a {$75.00} ACH charge from the account ( {$49.00} - {$75.00} = [ $ XXXX ], resulting in a {$35.00} fee. Then the Bank applied a check for {$30.00}  against the negative amount to incur another {$35.00} fee. Had the Bank applied the check for {$30.00} first, it would not be able to collect two OD fees. ( e.g. {$49.00} - {$30.00} = {$19.00}, no NSF/OD fee ).
The Dodd-Frank Act makes it unlawful for any covered person or service provider to engage in an abusive act or practice. An abusive act or practice ... Takes unreasonable advantage of ... the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Here, I reasonably relied on my Bank, to act in my interest and try to reduce the amount of charges incurred on my account when it was reasonable to do so. By not applying the {$30.00} check before applying the {$75.00} ACH charge, the bank caused me to pay {$35.00} or a {$30.00} check. I believe this to be an abuse act or practice as defined by the Dodd-Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.

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 10-07-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We are currently trying to sell our home. Because the house is underwater, I contacted Wells Fargo for some type of assistance for ways we can sell the home. The tentative buyers are offering {$130000.00} and the amount owed on the house is {$140000.00}. I was told nothing can be done but a short sale which will take 6 months to complete. If I can not afford the home on this date, how can I afford the home six months from now. I urged them that I had a buyer now and could not afford the difference of what was owed and how much the buyer was willing to pay ( {$10000.00} plus realtor cost ). I also relayed that I can not afford making monthly payments which if I stop I will not be eligible for short sale. Any suggestions are appreciated.

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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed several times with Equifax Credit Union regarding University XXXX Louisiana of XXXX showing a balance of XXXX as this account has been discharged as of XXXX/XXXX/16. I have submitted this same issue to the CFPB a week ago and received a response that the this creditor was updated to show that they were included in the bankruptcy. Since the last CFPB Complaint was completed, my credit report has changed several times, ive spoken to countless reps and supervisors at equifax who have assured me that this account is showing closed and no balance. This is not true i am still showing to have this account as installment account listed on my credit, as well as showing a balance and collection activity. I have been hung up on by equifax reps as well as lied to from their supervisors, i have attached the conversation between myself and the sup on XXXX/XXXX/16 as well as the 1st corrected credit report that was showing correct, as well as reports for XXXX/XXXX/16, and now XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (I do not know) with AR Resources, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: reporting a debt that may or may not be mine to the CRA 's which is past the SC statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (I do not know) with The CBE Group, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Asked for mail only corespondence after emailed notice never received such mail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on   XXXX   XXXX     which is not true. I have been fighting this for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, 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