milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Delinquent account

Complaint: I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Resources, Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXXand mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then ....

next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is collection resources my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not XXXX   right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan Modification for over 2 years. I have been disapproved on my short sale also and I am XXXX military.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Payday loan () with Enova International, Inc. (TX).
Issue: Can't contact lender

Complaint: Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Managing the loan or lease

Complaint: Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 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: I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with XXXX XXXX XXXXt and, three ( 3 ) listed with XXXX XXXX XXXX XXXX. The two different named sets of companys are both reporting the same three ( 3 ) accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX I filed a dispute with Equifax along with XXXX and XXXX in regards to XXXX XXXX XXXX in regards to inaccurate information that was being reported by this company for XXXX XXXX. On XX/XX/XXXX this information was deleted by all three bureaus. Equifax gave a confirmation # XXXX stating the information had been deleted from my credit report because the creditor did not verify the information to be accurate. On XX/XX/XXXX XXXX XXXX XXXX reported the same information and Equifax re inserted the information without making sure it was accurate. Also, credit bureaus are required to notify consumers within 5 days of re inserted previously deleted items according to FCRA. Equifax did not send any notifications nor did the creditor certify the information to be accurate. Such actions can be punishable in monetary damages. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Payoff process

Complaint: While I was working part-time between XX/XX/XXXX and XX/XX/XXXX, I began receiving numerous credit card offers from Capital One. Even though Capital One knew I was struggling financially at the time, they continued to mail offers. Obviously I was unable to pay them at the time ; however, when I began working full-time, I contacted Capital One to settle all of my accounts. I was assured this would not negatively affect my credit reports and scores. I am in the process of trying to get pre-approved for a mortgage and during that process realized Capital One in fact has reported all of these accounts as negative items on my reports. I have attempted to have these items removed by disputing through the credit bureaus with no luck. I find that it is poor practice on Capital One 's part to prey on those who are struggling and introduce them to a cycle of debt. While they are still reporting these items as negative on my credit reports, they continue to mail credit card offers to me. They clearly do not care about the consumer. It is not fair that they are allowed to report negative items on my credit report yet they continue to send me credit card offers multiple times. I ask that Capital One delete all of the negative items with all XXXX credit reporting bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had  a CareCredit Card tha t was not accurate with the terms of the card. After awhile I did not receive a bill or a call from them until later in the year of  XXXX . They sent me a court notice where they are suing me for the remaining balance. Once I answered and filed my reply they again did not contact me. Afte r two months I contacted Care Credit to make an arrangement in good faith but, to my avail they did not  want to compromise and were demanding a large monthly payment after informing me that my account was still in the promotion period. After several tries to compromise with Care Credit I had no success and they are currently trying to sue me. I explained to them that I was no longer employed and struggling to maintain at the moment but, they did not want to accept my offer. I need help in this matter. I received this card in  XXXX  or  XXXX . While employed I made several payments on time and some a day o r two late but, every month my payment was increasing and customer service could not and did not explai n to me why this was occurring. I need assistance in this matter as soon as possible. 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 08/15/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MI).
Issue: Problem adding money

Complaint: Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Title loan) with CITIBANK, N.A. (MI).
Issue: Charged fees or interest I didn't expect

Complaint: We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Synchrony a collector for GE Capital is harassing me via Home Phone and Cell phone for a debt i do not owe.

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