milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On TransUnion they have a XXXX XXXX listed as a name I have used. This is incorrect and fradulent information. I have never had this name before. Also they have an XXXX Credit Card lists that I am sure was opened by XXXX XXXX. This needs to be removed from my report. I feel my step-brother has done this as he as used this name before to get items at other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Wrong credit information on credit report debt should have been released and is still showing as liable as I have files bankruptcy. below is what is appearing on credit reportCIVIL JUDGEMENT IN BANKRUPTCY XXXX XXXX XXXX $ 0XXXX XXXX XXXX XXXX $ XXXXXXXXable after filling

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection, charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance, I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX, XXXX, my mortgage is going up {$700.00} dollars more in my mortgage, not including property taxes and Insurance, besides others regular expenses. I when up to the Executive Department and with out sympathy, a executive by name XXXX executive assistant of the Vice President XXXX, told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him, I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX, phone 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 04/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My loan contract specifies that the lender/loan servicer may force place insurance for an amount no greater than the principal balance of the loan. The annual premium for the insurance should be significantly less than {$500.00} annually based on the principal balance of approximately {$110000.00} as of XXXX XXXX, XXXX and {$100000.00} as of XXXX XXXX, XXXX. Nationstar is charging me approximately {$7000.00} annually, which is equal to 7 % of the principal balance! 

When Nationstar assumed this loan ( XXXX XXXX, XXXX ) they rejected my usual payment which I make through an automatic schedule with my internet bill paying service. I was unaware that Nationstar had rejected my regular payment until I received a collection call. The caller stated that my regular payment was " insufficient '' and that Nationstar required an additional {$260.00} per month. The caller told me that my real estate taxes had apparently increased. I knew that was not true so I asked to be transferred to the Insurance Department whom I informed that I did not wish insurance beyond that required by my contract. I was not named as Insured when Nationstar assumed this loan, why it decided to make that unilateral change is a mystery ( unless there is a profit in it for Nationstar ). 

Despite two more phone calls to protest and promises that the monthly billing would be adjusted to reflect the change, Nationstar has continued to bill me for insurance that I did not request and to which I did not consent. If I do not include the additional {$260.00} per month with my regular payment, Nationstar will not post my payment. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with California Business Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is in reference to Nationstar mortgage number XXXX. At this time, Nationstar is aware that the above referenced loan was discharged in a Chapter XXXX Bankruptcy in XXXX XXXX XXXX, FL on XXXX/XXXX/XXXX under Case Number XXXX XXXX. At the time of the bankruptcy, the loan was owned by XXXX XXXX XXXX and then sold or transferred to Nationstar after the discharge date of XXXX/XXXX/XXXX. Regardless, the loan is XXXX and should no longer be reported to any credit bureau - positively or negatively. 

At this time, it has come to my attention that Nationstar is reporting to all three credit bureaus on my behalf on this account that has been XXXX for over 7 years. 

At this time, I am requesting that an update and correction be made on my behalf to all three credit bureaus by Nationstar and all negative or positive information about this XXXX account be removed from my credit report with all three credit bureaus. I look forward to an amicable resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 08-12-2016 about Debt collection (Credit card) with CONTRACT CALLERS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.

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 05/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. I was awarded financial aid through the federal government lending program. Part of the loan was backed by a private lender, now known as Navient in XXXX, PA. I am unemployed and have been since XX/XX/XXXX. They call me daily, threaten legal action and send me registered mail. The fact that I can not pay them at present does not phase them. One of the representatives even told me to borrow money to pay them!! I have asked them to stop calling, etc but they have not done so. It is affecting my sanity and health. I have made it clear on numerous occasions that as soon as I am employed, I WILL take care of the loan, but they still threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I disputed with Equifax Credit Bureau however I was never able to get the results. I called and spoke with someone and they told me that they did n't have a timeframe as to how long before I 'm able to view my credit file. The lady stated they can take as long as they want too. I 've attempted to get my free annual credit report online and my access was been blocked to that site as well. Please help. Due to the various data breaches that has occurred, I 'm concerned about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Billing disputes

Complaint: I am being charged for something I did n't get/make. I did not authorize anyone to make this charge from XXXX and I did not make it myself. I will not pay for this charge!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: was denied credit and pulled a report, company did not make information available to me before reporting to my credit report. This is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (MD).
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 XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The identity questions caused me to be unable to access my credit report online. 
1. They asked for a previous phone number. I have had the current number for well over 10 years, so I could not remember a previous number I did or did not have. 
2. They asked for what year my XXXX was. They had XXXX and XXXX listed, so I picked the most recent since I had both years at XXXX time. 
3. They asked for business/employers I was associated with, I was unfamiliar with any of them, so possibly the company had a name I was unfamiliar with. 
Because they could not " verify '' my identity I was shut out of their system. To order by phone will take weeks to receive and I know their are some items that are duplicates and incorrect which I need to fix because it is impacting my credit score. 
Every year I have problems with Trans Union, either with getting my report, correcting it or disputing an item. They deliberately make these processes difficult and ask questions nearly impossible to know answers to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: APR or interest rate

Complaint: I signed up for a card that advertised 0 % interest on purchases for 15 months. I accidentally selected the wrong radio button and paid the full amount due instead of the minimum payment. I called up AMEX and explained the situation -- they offered to refund my payment and assured me that the balance would remain at 0 % for the remainder of the 15 month period. When my statement closed and I saw XXXX of dollars of interest charges, I called them up to ask them what happened -- after much investigation, the agent explained that the balance on the card had n't been placed back at 0 %, but that he was submitting a ticket to fix the issue. He also refunded my interest charges and told me that he was extensively notating my account with the resolution. Assured that the problem had been fixed, I did n't worry about it again until I saw the next month 's statement with even more interest charges. I called up AMEX again and this time, despite having XXXX previous agents telling me the balance should be at 0 %, they told me that there was nothing they could do about the issue and that I would either have to pay off the card or continue to accrue interest charges. It is incredibly disingenuous of American Express to repeatedly assure me of one thing, and then purposefully do another. It 's bad customer service and it 's bad business, especially considering that I 've been an AMEX customer since 2001 and have spent XXXX of XXXX of dollars on AMEX credit/charge cards.

Company response to consumer: Closed with monetary relief