milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A true personal story : I was a Capital One cardholder for some time and I paid my bills in a timely manner. Then my Capital One account got hacked and someone ordered a card to a different address and was making purchases with my card and paying with my bank account that was pegged to my capital one credit card account. 

I called capital one and they were very callous about it and they told me to just change my password and they will send me out new cards. 

Lo and behold a couple of weeks does n't go by and I notice charges appearing that were n't mine. So after investigating I realized that this same hacker must have hacked again and ordered a new card and was spending once again. Oh you bet he did but this time he got smart and attached someone else 's bank account to the account ( a XXXX XXXX XXXX account ) and was paying for the purchases with this party 's bank account. This " hacker '' also started withdrawing money from ATM machines all over NY. 

I called capital one and again they were not forthcoming even blaming me, like it was my fault! Instead of commencing an investigation as to how my account was being hacked, they just told me to change my password and sent out new cards. 

I also spoke to the fraud department dozens of times ( each time took 30+ minutes ) and told them to please make sure my account is credited for all the unauthorized ATM withdrawals and charges. 

Capital NEVER credited me those charges. I never ever experienced more horrific customer service then my 6 month misery with capital one. They only wanted to sweep it under a rug that they were hacked. 
Capital NEVER credited me those charges. So I refused to pay my bill. I told them I will pay when they remove those charges. So they gave me the run around and sent me to other " departments '' but never ended up crediting those charges. 

I refused to pay and this went to superior court and I was n't going to start paying lawyers and never challenged it and lost by not showing up. 

Capital One has garnished money from my account on XXXX separate occasions also incurring me overdraft charges and bounced checks because I never got a heads up when the money was going to be withdrawn. 

But those were the least of my problems. 
The guy who hacked in managed to get all my info and so began my fun 2 years of identity theft. 
I have detailed very quickly a very unenjoyable episode to say the least. It has cost me so much time, money and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Medical Data Systems Inc. I sent out a letter to this company for Validation of a debt from XXXX XXXX 2013. I received a debt verification and nothing with my signature on it giving them permission to my medical records. They sent the procedures and outcomes claiming it as a itemized bill, which violates my hippa rights. They claim the hospital gave them rights to collect the debt, but I havent agreed to such action.

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 04-01-2015 about Debt collection (Mortgage) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: debt was discharged when home was foreclosed on over 8 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech / Greentree has held my mortgage for many years. XXXX XXXX, 2016 I received a report indicating that my escrow account was {$1500.00} + short and they were raising my monthly payment by {$100.00} to cover. This includes a " at their discretion '' {$500.00} + cushion. 
I understand insurance and tax rates increase but {$1000.00} in a year seems unlikely. Also since they have been managing the account they should have already established those balances last year and not come up short mid year. Why the sudden jump? It 's either mismanagement or just plain stealing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a former XXXX XXXX XXXX student. I applied for a private loan with ASFG, who uses XXXX XXXX. I made XXXX payment of XXXX in XXXX of 2016. The school closed down with out notice to any of the students. I have been in contact with stating to get the money from XXXX XXXX. Also have been getting statements and a letter of default on my loan. There are the ones who are breach of contract, for shutting their doors. I would like my loan to become a zero balance. My account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0  % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer.  <P/> On   XXXX   XXXX   XXXX    , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The  application was submitted and approved for $  XXXX  by me giving the store rep my  SSN. Th e card arrived on  XX/XX/XXXX  and I immediately registered to view the account online. I noticed that in addition to the charge   ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
<P/>
1. On    XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact  Zales 2. I visited Zales ( minutes later ) and they  stated the charge was not applied by them but rather, by Comenity Bank  3. The Zales rep wa s absolutely unaware of any fees being applied ( for  the 12-months 0 % APR option )  and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge.  <P/> As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is refusing to investigate numerous fraudulent inquiries in my credit report that I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I opened an American Express Platinum personal credit card that has a welcome bonus of XXXX Membership Rewards points if I spent {$3000.00} on the card in the first three months. I fulfilled this spending requirement and was awarded the points. When I went to transfer some of the points to an airline transfer partner, I got an error and when I called an Amex phone rep told me that my points ( as well as those of all individuals who applied for the card ) were being frozen pending a review. They instructed me to wait 6-8 weeks for the review to be completed. On or around XX/XX/2016 I logged into Amex and saw that the points had been removed from my account. The Amex phone rep could give me no details as to why the points were removed. She did open an " XXXX '' case and told me Amex would be contacting me within 72 hours. That did not occur and another phone agent I spoke to subsequently confirmed that he had no ability to review my account. He also told me Amex would be in contact with me. That has not happened and I have not received any correspondence via mail, phone or email letting me have any information on what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on several occasions to rectify this issue with XXXX.  They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

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 04/23/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/ I called Tranunion to dispute a XXXX  bill that did not belong to me. I informed them that a family member used my information without my permission to get electricity on at there residence. A week later I was notified that the acct was closed and now as ofXX/XX/XXXXit is back on my report and is showing that the acct is open.

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 10-11-2017 about Debt collection (Other debt) with ERC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have  sent Quality re covery services, inc money orders showing I did not live in   XXXX   XXXX   in  XXXX  of   XXXX   they keep sending me a lease from  XXXX  like that proves something. I sent them proof that it was n't the first time this complex has tried to say I owed them when I did n't. they changed management many times because of their not so ethical tactics. I have never owed or ever paid my rent late, I 've told this collection agency that this is false information and not true and to remove this off of my credit report. I know that they do not have a contract that I signed with them, showing me an old lease is not sufficient especially since I sent proof of money orders paid to another complex in  XXXX  of   XXXX  . Please have them remove this information from my credit report. Thank you, sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.thank you

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX/XXXX/XXXX I received a mail from Experian in regards to my credit report. I have noticed that the fraudulent XXXX account number # XXXX is still on my credit report and considered negative. I have already contacted XXXX on XXXX/XXXX/XXXX to dispute the fraudulent charges of {$2100.00} due to Identity Theft. XXXX sent me XXXX letters on XXXX XXXX, XXXX and XXXX XXXX, XXXX and advised me that the fraudulent account will be removed. Experian still refused to remove this fraudulent XXXX account from my credit report. I have already filed numerous complaints against Experian in regards to this XXXX fraudulent account for the past 2-4 months. Experian responded back to me and told me it will remove this fraudulent XXXX account. Experian failed to meet consumer 's expectation and serve its customers properly. Experian has been investigating my Identity Theft case for the past 2-4 months and still failed to conduct its investigation properly. I wish Experian will be 100 % honest with me by telling me that it will NOT assist me at all with my Identity Theft case and refuse to remove the fraudulent XXXX account from my credit report. I have proof that XXXX sent me XXXX letters and advised me that it will contact Experian, XXXX and XXXX to remove the fraudulent account from my credit report. XXXX also sent me a letter of apology for my pain and suffering in regards to my Identity Theft. I still have NOT received a letter of apology from Experian. The ONLY thing I received from Experian is negative remarks on my credit report such as XXXX. It is bad enough that the suspect stole my identity on XXXX XXXX and committed the crime of theft at my expense for the past several months. But the situation is getting worse and worse because Experian refused to remove the fraudulent XXXX account from my credit report and falsely accused me of several things such as filing a lost or stolen credit card. I have NEVER filed a lost or stolen credit card in my entire life. I ALWAYS paid my bills on time without penalty. I obey the laws. Experian treated me like a criminal or suspect instead of supporting me as a victim of Identity Theft.

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 09/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I submitted a check via Capital One 360 Bank 's mobile application check deposit service. The check cleared the initial stage of verification, but at the end of the five-business-day hold, my funds were n't released to me ; paradoxically, my account was frozen. I have contacted Capital One 360 Bank about twenty-five times in regards to this issue, and been unable to reach a suitable resolution.

Company response to consumer: Closed with explanation