milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. 
THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They called my home phone ( calling from XXXX ) stating that were calling on for XXXX ( which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and I do n't even know where that is ) and that they were MACS regarding a 'check protects claim. ' If I did n't handle this immediately, that it would affect my bank and banking. I was instructed to call XXXX. I work in credit and collections and would NEVER consider this a valid claim as I have NEVER received any physical correspondence relative to any debt due and owing a hospital or otherwise. 
I used XXXX and called back XXXX and got a strange tape recorded message stating that the number was n't in service. I then called XXXX and when I asked them what the call was about and mentioned the FDCPA, they guy on the other end stated, " He did n't care about whatever the FDCPA-was I was talking about. " I work in credit and collections and strongly view this manner of debt collection as improper and negligent, not to mention downright unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I make my mortgage payments online. I always save a copy of the confirmation of my payment on my computer. For years now my mortgage company has delayed processing my payments by 2 or more days from when I requested the payments to be processed. Can my mortgage company charge me interest on these extra days?

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: Ba nk of America  refused to issue a fraud charge against  XXXX   XXXX   XXXX   XXXX , Massachusetts.   XXXX   performed unathorized and unnecessary services on my  XXXX   XXXX . In addition they damaged the rims to the extent they had to be replaced. The tires they applied where inferior and they were replaced with the proper ones.   I am demanding a credit to  XXXX  on Bank  of America  for {$1700.00}. and {$1400.00}. for the rims/tires that were replaced.   Bank o f America ke eps sending me copies from  XXXX   XXXX   XXXX   XXXX  that were doctored/forged. No originals were ever given to be.   I demand Bank  of America Regulatory Complaints cease harassin g me.

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 10/18/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I initiated an online MoneyGram transaction. I was sending {$1500.00} to my brother-in-law in XXXX ( XXXX ), TN. He is a police officer and needed some cash to make his rent payment and avoid an impending eviction. He was going to pick up the cash at a nearby XXXX  location. I entered my XXXX credit card information online to process the transaction. I got a confirmation back that my transaction had been accepted. A few minutes later in a phone call with MoneyGram, I was informed the transaction did not meet their anti-fraud security requirements and that the transaction was being cancelled by MoneyGram. 

On XX/XX/XXXX, I checked my credit card statement online and discovered, MoneyGram never refunded the {$1500.00}. I have also incurred additional fees from my credit card company for a cash advance. 

I called MoneyGram on XX/XX/XXXX. I was told the transaction was cancelled on XX/XX/XXXX despite having been told on XX/XX/XXXX that MoneyGram was cancelling the transaction for the above stated reason. I was informed it could take 3 to 10 business days from the XX/XX/XXXX date for the refund to be posted back to my credit card. If MoneyGram has the ability to instantly charge my credit card account, then they also have the ability to immediately process a refund or transaction cancellation. 

At no point prior to the transaction being completed by me online did MoneyGram clearly disclose their refund policy if the transaction was cancelled by MoneyGram. Had MoneyGram made this disclosure, I would not have completed the transaction. 

Now, my credit card issuer is expecting me to pay {$1500.00} plus the associated fees by the XX/XX/XXXX payment date, thereby creating an UNDUE FINANCIAL HARDSHIP. 

MoneyGram 's business practices are DECEPTIVE AND UNFAIR and do not protect the consumer against their unfair and possibly fraudulent business transactions. 

Despite similar complaints previously filed with your agency, MoneyGram persists in deceiving and defrauding consumers.Please refer to the following complaint numbers with your agency to see a LONG HISTORY OF DECEPTIVE AND UNFAIR TRADE PRACTICES : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I have now spent hours of my time trying to get back money I was rightfully due on XX/XX/XXXX. It is time for CFPB and the Attorney General to prosecute MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit Amex XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
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: I am writing to request the disputed amount case be re-opened to a full investigation about the line items that were purchased on  my Chase Saphire Reserve cr edit card.     I ordered  XXXX   XXXX   XXXX  on the rocks ( ~ {$12.00} ) and a cigar ( I dont recall the brand or exact price, I believe it was around {$14.00} ) and I left approx. a  XXXX - XXXX  $ tip. My transaction should be for around {$30.00} with tax and tip. I am requesting that  XXXX   ( Merchant )  pulls all credit transactions from that evening on  X/XX/17    used by the credit processing machine in their location for the amounts of  XXXX - XXXX  $ and supply them to Chase. You will find my line items  (   XXXX  + a cigar ) and my approval signature for those items with the transaction which you can have your chase fraud prevention team run a forensics test on the signature and compare it to the hundreds of transactions I have signed for in the past. You can clearly tell based on what the merchant sent and the copy of my drivers liscense it is not my signature on the  XXXX  $ charge, and I never approved this to be charged to my credit card.     I am demanding the amount be corrected for the transaction I approv ed ( {$30.00} ).      I asked Chase to ask the vendor to turn over all invoices from that night to see if there are any charges in the  XXXX - XXXX  $ range that have a  XXXX  and cigar on them and provide them to chase to match my signature. I also asked Chase to request the merchant turn over all data from the POS when line items were added to the machine, as I can prove by another transaction with  XXXX  that I was not even in the establishment when the invoice was started, thus proving I did not order the aforementioned on the invoice chase tried to use as evidence.     Chase has failed to escalate the investigation, and they have notprovided me with concrete evidence that proves beyond a reasonable doubt I did in fact purchase their laundry list of items on the invoice. All they provided was a signature that was not mine, a map of the location, and a vague statement from the merchant saying how they process credit cards. There was a clerical billing error and I am furious Chase sends back lackadaisical responses saying that their investigation agrees with their first discovery without sending concrete evidence. I have been done wrong here by Chase as they are holding me responsible for a transaction I did n't approve.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX XXXX 2016 at approximately XXXX am I was denied service from a Bank of America located at XXXX XXXX XXXX XXXX, XXXX, Wa XXXX. I went to have my account verified as required by HUD for low income housing and was told by the manager XXXX that they would not be able to sign paperwork given by HUD verifying my bank of America account.When I asked why the only explanation that was given was that she did not feel comfortable verifying my account. I have been a bank of America customer for 10 yrs and know that this is not common practice.

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 06/16/2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with DISCOVER BANK (OH).
Issue: Credit line increase/decrease

Complaint: I recently was selected to upgrade my Discover Secured Credit Card account to a Discover Unsecured account. This transaction occurred several months ago. I logged into my Discover credit account online to apply for a credit limit increase on XXXX, 2017. The website submitted my request and it went on for further review. The message stated, " Your request is under review. Decisions are typically made within 2 business days. There is nothing else that you need to do at this time. '' I was not contacted by Discover Bank and did not get any confirmation email that my request was under review. 

I contacted Discover Card Customer Care within the 48-hour period and was told that there is an ongoing system issue that is preventing my requests for a credit increase to be reviewed by a credit analyst. No timeframe was given to reapply. I was told to keep resending the applications if I get " bored '' and to see if it gets fixed. 

I also attempted to contact the online chat support, and I was informed that the credit analyst team did n't review my request for an increase and that I should call them. When I contacted them, they advised me the request had to be deleted. 

I feel that Discover is unfairly preventing me from utilizing my account by not accepting requests to increase my credit limit. Other Discover Unsecured credit card customers are able to submit requests to increase their limit, and sometimes get instant decisions, however, " graduated '' customers are not due to a system issue because my account was upgraded. I feel as if Discover bank is discriminating against me because I had a secured card, and will not allow me to ask for a higher limit on the upgraded account. I feel as if " Graduated '' customers of their secured card are not fairly treated and that their lending practices are not fair as we can not request an increase in credit on our accounts. Our requests are queued and then deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with Long & Foster Financial Services, Inc. (TN).
Issue: Closing on a mortgage

Complaint: I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.

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