milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Billing statement

Complaint: I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. 
As a XXXX, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders. 
Yes, I am responsible for the payment of the account. There was no history ( until this logistical issue - " darkness '' ) where the account was paid late. The account is, once again, paid on a timely basis. I do n't feel like I should be penalized for the lack of contact by Capital One. 
I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). 
I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? 
In my opinion, Capital One failed me. We spent XXXX ( if not XXXX ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: inaccurate info equifax and people credit, XXXX violates my hippa cra rights please remove them asap

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Deposits and withdrawals

Complaint: Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a copy of my credit report via Annual credit report. I contacted Transunion on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Tranunion stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Tranunion because they had no record of my ever applying for credit with them and stated it was Tranunion 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XXXX XXXX, XXXX requesting again for a few credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Transunion explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Transunion even after it has been brought to their attention : XXXX on XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Transunion, immediately remove the aforementioned credit inquiries.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.

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 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: capital one credit card is not helping us and I have a real issue with their charging an annual fee booklet and their executive response team info

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (AE).
Issue: Loan modification,collection,foreclosure

Complaint: DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My issue with Navient began back in XX/XX/XXXX. I was battling XXXX XXXX. I was undergoing XXXX, XXXX treatments, and ultimately ending up having XXXX. As a result, I had to stop going to school full time and dropped to part time and had to leave my job. This forced me to use savings towards healthcare expenses and taking care of my XXXX sons. I fell on a financially rough times, and was unable to make my student loan payments. I called into Navient to explain the situation. I was told that the school will notify them of my change in status and it would still be in deferment. I went to the school and let them know my health situation. I was told by a rep in the business office that I would be fine. However, I was not, I pulled my credit in hopes of purchasing a home in XX/XX/XXXX. I saw 6 late payments. I discovered 2 late payment was reported on XX/XX/XXXX and XX/XX/XXXX and for two of my accounts. I also discovered 1 late payment was reported on XX/XX/XXXX and for another two accounts. I have several other accounts that were not affected at all. Which is baffling to me, because they were still in deferment when the other 4 accounts were not. Also during that time I was not informed that I was out of my deferment period. I sent out a goodwill letter along with Supporting documentation on XX/XX/XXXX. However, they denied my requested. I called several time to get the matter resolved. Then Navient started adding balances and subtracting balances from my accounts seems like weekly. Which has yet to be explained to me by a representative of Navient. This is also adversely affecting my credit score. I am trying to purchase a home and the frequent updates are detrimental to this process. They have not notified me in writing yet on why the frequent amount changes has been taken place. I am respectfully asking that all 6 late payments during the XX/XX/XXXX-XX/XX/XXXX be removed and set current. Also, I want all loans older than 7 years off my credit, as that is more than the Statute Of Limitations for my state. I need this done as soon as possible, because Navient is doing illegal collecting and reporting practices. Thank you so much in advanced!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (GU).
Issue: Problem with additional add-on products or services

Complaint: The complaint is about a Servicemembers Civil Relief Act ( SCRA ) violation conducted by Cashcall Inc. 
CashCall Inc is refusing to abide by 50 USC Ch. 50 Section 3937 SERVICEMEMBERS CIVIL RELIEF ACT. 
Cashcall Inc has knowingly violated this law with regards to a personal loan, which started in XX/XX/XXXX for {$10000.00} with an interest rate of 39 % for a term of 120 months. I entered XXXX XXXX service with the XXXX XXXX in XX/XX/XXXX. 
I have not left XXXX XXXX service since I joined. I got married and I was able to pay off the loan in XX/XX/XXXX. I have recently ( within the past year ) became aware of the SCRA and its benefits, specifically the limit of 6 percent interest on pre-service debt and I began to notify past creditors and received major reimbursements from the credit card companies. 
But not Cashcall. 
I sent an email with my orders attached to Cashcall to inform them of my service on XX/XX/XXXX. The customer service email address that I sent the SCRA request to responded to me thanking me for my correspondence and that my case was under review. 
I tried to contact them thru XXXX XXXX for updates and was told on XX/XX/XXXX that this was escalated to management and they would send a response to the email address the request came from. I did not get that email response. 
I had to call them the next month and I spoke to a representative that is a manager in  the employee development section that tried to settle the case for only the two years that I was XXXX for in XXXX, ( XXXX ) a sum around {$2000.00}. They claimed that this was fair and that I was lucky to get this much from them. I had to explain to them that the statue of limitations does not apply to this case due to the fact that I am STILL on XXXX XXXX. 
With the interest rate change from 39 percent to 6 percent, times the monthly payment from XX/XX/XXXX to XX/XX/XXXX adds up to {$15000.00}. I declined the settlement. 
I then contacted a XXXX XXXX XXXX and she sent an email to the same customer service email that had replied to my previous request requesting that they follow the law and repay the outstanding funds. It has been ignored. I sent their XXXX XXXX a reminder about that email, once on XX/XX/XXXXand again onXX/XX/XXXXand only in XXXX after I told them I was filing a complaint with the CFPB was sent a letter asking to be given the contact info for my attorney. Info Im sure they had already from the previous emails that were sent to them. In fact, the threat of me contacting this Bureau seemed to be the wake up call they needed. 
Cashcall has been given all the information they need to complete their obligation under the law. I will not settle for any less than was is owed under the law.

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 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (IL).
Issue: Managing the loan or lease

Complaint: Hi Go Financial in XXXX Az finance XX/XX/XXXX chevy truck for me in XXXX for 29 months. The truck was paid off in XXXX and I have n't received a paid in full letter and it 's not being reported correct with the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Coinbase, Inc. (SC).
Issue: Incorrect exchange rate

Complaint: I want to pay my overdraft with this

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.

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 11/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.

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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.

Company response to consumer: Closed with explanation