milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Advertising and marketing

Complaint: I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: PORTFOLIO RECOVERY ASS PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXXThis is a duplicate of the XXXX/XXXX debt and has been reported to all bureaus, but the statute of limitations has run ( 6 years in XXXX where the debt began ). This needs to be removed. The original date of debt is incorrect-should be 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with State Collection Service, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Agency has not verified debt and has reported derogatory information to multiple credit agencies. I 've contacted Collection agency to provide proof of debt, rather than provide proof of debt in timely matter State Collections reported collection to an additional credit agency. State Collections also failed to contact me regarding collection and I found out through checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with Merchants Credit Adjusters, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.

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 12/22/2015 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (CA).
Issue: Managing, opening, or closing account

Complaint: This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check " Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card, then I would have to pay a check-issue fee. Otherwise, I can use the card as a gift card ( as a non-T-Mobile wireless customer ) with various fees attached to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Palisades Collections, LLC has continuously contacted me and harrassed me for a XXXX Account from XX/XX/XXXX, that I have previously Disputed as not being my account, as it is a result of Identity Theft previously with the XXXX, XXXX, XXXX. Then a few years later Palisades Collections, filed a lawsuit against me and it was dismissed as past Statue of Limitations ( by a few years ). I feel that Pallisades Collections, LLC knowingly filed a lawsuit that was past SOL with hope of a non-response default judgement. After several years of not hearing anything since the lawsuit, on XX/XX/XXXX, " XXXX '' of Pallisades Collections, LLC called me at XXXX from XXXX, to collect on this account. But because I would NOT verify my SS #, I was not provided the Name of the original creditor. So I called back on XXXX at about XXXX and spoke with a male named " XXXX ''. After learning of the original creditor, I immediately pointed out the SOL of this debt has long passed. And I was not paying a debt that I do not owe. I explained that I have very little concern with an account that is more than 15 years old. " XXXX '' then told me that he would continue placing inquiries on my credit reports to negatively impact my credit score. 

I believe this company will go through any unethical means to intimated, make false threats and also resort to unfair business measure to negatively impact consumers credit reports, IF Pallisades Collections, LLC. 's debt collectors feel the debtor will let it go unchallenged.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Payday loan () with CURO Intermediate Holdings (IL).
Issue: Can't stop charges to bank account

Complaint: I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees. 
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX Certified No : XXXX XXXX XXXX XXXX XXXXLienXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXXTrans UnionXXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, 2015RE : Lien- REQUEST FOR PROOF OF CLAIMCase or ID # XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with The CBE Group, Inc. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I went into my local branch at XXXX XXXX XXXX to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. 

I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly.

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 04/19/2017 about Credit reporting () with SYNCHRONY FINANCIAL (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from my report.

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 09/26/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.

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 11-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX, my daughter did a wire transfer from XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX in the amount of XXXX XXXX XXXX to my checking account. The amount was debited by XXXX from her account, and a receipt of the transaction is held by XXXX ( we have a copy ) ; however, the money was never received. We both have initiated multiple attempts to resolve the problem without success on her end with XXXX, and with Wells Fargo international representatives and Bank Manager. Wells Fargo 's latest letter to XXXX states that the money was deposited. The fact that it was not have been verified several times by the manager of Wells Fargo. Apparently, there was a digit missing for the account number, which, according to the XXXX manager, should have negated the transfer in the first place. It has been 5 months of back and forth, with my daughter having lost XXXX XXXX. This is unacceptable, and needs to be resolved. 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 06-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS IS A NEW COMPLAINT BASED  ON   XXXX   XXXX   XXXX  LETTER DATED  XX/XX/XXXX  ATTACHED.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ), section 807. False or misleading representations,  ( 2  ) The false representation of  -- ( A )  the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}.  XXXX   XXXX   XXXX ,  XXXX  and the seller Creditor Capital One, who failed to provide proof of debt, as to the electronic purchase from Capital  One  to  XXXX   XXXX   XXXX .  <P/>  XXXX   XXXX   XXXX , per the attached letter dated  XX/XX/XXXX  did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XX/XX/XXXX ), section  807. False or misleading representations, ( 2 )  The false representation of -- ( A ) the character, amount, or legal status of any debt ;  XXXX   XXXX   XXXX , did not prove it paid {$2300.00} to  Capital One, a s they failed to provide proof of debt via copy of the electronic purchase from Capi tal One.   Their letter dated  XX/XX/XXXX  is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone got services in my name from my id being stolen and opened this account its not mine i filed a police report and filed id theft report in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015

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 08/16/2016 about Debt collection (I do not know) with F.H. Cann & Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.

Company response to consumer: Closed with explanation