milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: First, let me say that this is so exhausting. Not only have I sent supporting documents but I have spoken with several representatives at Experian about a tax lien that they ( Experian ) went out and found in public records and was not even reported as I have been told by, XXXX County Court, that this account is no longer valid and has been satisfied. Both XXXX and XXXX has removed the negative mark but old Experian just seem to want to hang on to it. I want this, TAX LIEN, removed immediately or I will be forced to seek any legal assistance to make it happen. I am tired and will not keep waiting for the same results ( Remains ). Please ask Experian to properly investigate and remove this bogus item from my credit file. I do not have any balance owed to, Georgia Department of Revenue ( Tax Lien ) and I have sent state approved letters showing execution and Experian will not remove the item ... .why?

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 03/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like to see Congress take strong steps to protect consumers from data breaches such as the recent Equifax breach. These breaches are becoming common with costs borne by consumers and the offending companies bearing little responsibility. My family was affected by the recent Equifax date breach and it has been frustrating, difficult and expensive to freeze our credit. XXXX in particular views seems to view this incident as an opportunity to enrich themselves with difficult and costly procedures to freeze credit. When we need to unfreeze our credit we will be faced with additional fees. It is time for Congress to act on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.

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 09/13/2016 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Retrieval master keeps calling me and I do n't have any credit cards or debt but they say I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX  inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 12-03-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX  BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly. 
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hello I am contacting you about several problems I am having with US bank. This dates back to XXXX of XXXX, I was contacted by a company by the name of XXXX XXXX. I had paid them {$15000.00} on my US bank credit card and {$5000.00} on an airline credit card, once I found out it was a scam I had contacted both banks immediately. 

The XXXX bank did a charge back at once. Unfortunately, US bank did not follow suit when I told them about the situation. 
I had shown them proof as requested, that the company had in fact scammed me and told them that they needed to do a charge back. Instead they kept refusing me and I was in the time frame of when disputing and getting my money back should have not been a problem. 

This kept on going on to XXXX of XXXX with nothing resolved. I even talked to XXXX XXXX who is a higher up in US bank and still nothing. They said I would have to pay it and left it at that. I told them that I was n't going to pay it because I had done what I needed to prove it was a scam and they should do the charge back. I also saw that others who had been scammed by this particular company, had no issues once they told their bank what was going on. This was from XXXX, and again my airline card did a charge back with no issues once I spoke with them. 

Later on I had discovered US bank made another account and joined it to the US XXXX XXXX I already had. They also put my account in bankruptcy with out my knowledge. I have tried a number of times to resolve this. Many calls into the bank and nothing to show for it besides frustration. I am contacting you in hopes that this can be resolved, thank you very much for your time.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Louisiana Recovery Services Inc. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last XXXX years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see XXXX page attachment for this information but this is a 3 years piece of alleged fraud and theft to and against me on a removal of my electric meter and then a rewire to my landlords son 's meter causing a possible 80 % increase to my costs

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 Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: To Whom it May Concern : I am very concerned that I can not retrieve my free credit report from any of the credit bureaus. None of the challenge questions match my credit profile at ALL. I am worried that my credit has been comprimised. I have taken the steps to request my credit report and score through the mail but I need action NOW. 

Any information or assistance you can provide would be invaluable. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This information was shared illegally ( Third Party ) without my informed consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: To whom it may concern, Im writing this letter to complain about the deceptive service Im receiving from my mortgage servicing company Loancare aka Myloancare.com. They sent me an escrow analysis in XX/XX/XXXX which forecasted the property taxes to be higher than expected which resulted in my monthly mortgage payment to increase. I called them to get some information about the process of getting this adjusted when the actual taxes are paid on my property because I knew the tax amount would be less than forecasted. I was told to call back towards the end of XX/XX/XXXX after Loancare pays the exact amount of taxes on my property. As I was told I did call on XX/XX/XXXX and I confirmed that the taxes were in fact paid at the beginning of that month, I also confirmed that the amount is about {$1000.00} less than what was forecasted on their XX/XX/XXXX escrow analysis so I requested a new escrow analysis. The agent told me that the new analysis would be completed by XX/XX/XXXX. On XX/XX/XXXX I called Loancare to inform them that Im not seeing the updated info yet so they told me that the XX/XX/XXXX deadline I was previously given was incorrect and that I should wait till XX/XX/XXXX for that info. Again XX/XX/XXXX came and went and the escrow analysis was not completed so I contacted them again and was told that this process should be done by the XX/XX/XXXX and if not I should request to speak with a supervisor. I called back on the XX/XX/XXXX since it wasnt done again and even spoke to a manager but they all stated that the analysis was not done yet and that by Friday XX/XX/XXXX the system should update and reflect the up to date numbers. Today is Saturday XX/XX/XXXX and again no new escrow analysis was posted or updated. 
I feel that Im being given the runaround and that they are not honoring these deadlines/timelines they keep providing me. I even sent an email to their customer service and I just received the automated response but no resolution. Its not professional to lie and deceive customers or send them the message that things would be done when Loancare feels like it. After all of these attempts and the pattern of their business practices I feel that this delay is intentional and I want this analysis to be completed and my information updated as soon as possible so we can budget for our mortgage accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been having a great deal of problems with payment acceleration ( as opposed to application to principal ) and payoff processes with both XXXX XXXX Borrowers and, especially, with Navient. I repeatedly asked that payments in excess of monthly minimums are made toward principal and they instead move out my next due date. I was told that moving out the due date was " the same thing as applying toward principal '' which it is clear not. At best, this is fraud ; at worst, this is a systematic theft from borrowers where the company puts up onerous barriers to prevent principal payments and uses intentionally obscure language and interfaces surround application of overage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Credit card debt) with Tate and Kirlin Assoc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX   XXXX   XXXX   is trying to get me to pay  XXXX  for an account I had with a credit card company  XXXX   XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

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 11-11-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief