milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: XXXX XXXX has added herself to my Capitol One Credit card as an authorized user without my knowledge. She is using this card for her daily living expenses, vacation, and cash advance withdrawals. According to the transaction since XXXX XXXX, I have used this credit card by setting up automatic charge to pay for XXXX XXXX XXXX for the amount of $ XXXX monthly. This $ XXXX monthly has been moved to another credit card since the credit card overcharged. In addition, on XX/XX/XXXX and XX/XX/XXXX I charged the amount of {$1400.00} for XXXX for a total of {$4200.00}. However, I have paid it off a couple of days later. On XXXX XXXX, I received a credit adjustment of {$4200.00} due to the fraudulent act of the company. She has used all of this credited amount without my knowledge. XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, she confessed to me what she did and I paid a total {$10000.00} to try to get her out of trouble and she stated she will take care of the debt. However, she did not do what she promised that she will repay me and pay off the credit card debt. Therefore, she added herself as an authorized user, overcharged for her daily living and luxury vacation, cash advances, used my credited amount fraudulently. Capital One refused to take this as a fraud case. They claim that I am responsible for the debt that XXXX has charged. I have been calling Capital One since XX/XX/XXXX. However, the conversations with the representatives are different each time. There are different issues and suggestions stated by the representative. I was told that all I need is to have XXXX signed an admittance letter stating that did used my credit card without my knowledge and will take responsibility for this debt. XXXX stated that she did signed the admittance letter and sent to them. However, Capital One stated that they never suggest the admittance letter and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (IL).
Issue: Managing the loan or lease

Complaint: To provide some background, we have owned or leased a Hyundai Tucson since XXXX. On XX/XX/XXXX we turned in a Hyundai we had leased since XXXX ( account # XXXX ) and decided not to re-lease or purchase a new car at that time. When we turned the car into Rogers Hyundai in XXXX, XXXX had looked the car over and stated he saw no major issues, and said we would be hearing from Hyundai. Over the next few months we heard nothing from Hyundai but in XXXX began to receive calls from XXXX Associates, a collection agency. They would not identify why they were calling until we provided them with information about us, something we will never do in this type of situation. We instructed them to send to us what information they had and on XX/XX/XXXX received a letter from XXXX Associates stating that he owed Hyundai {$1300.00} but with no breakdown of what this was attributed too. On XX/XX/XXXX I spoke with XXXX in Hyundai 's Recovery Department, explained the situation, and he said he would have a detailed bill sent to me. On XX/XX/XXXX we began to receive calls for XXXX again, in fact they also called my wife and my wife 's brother, demanding payment from them and being extremely rude. Since we still had not received anything from Hyundai this prompted me to again call Hyundai 's Recovery Department today where I spoke with XXXX who also said she would send a detailed bill as well. Based on our history with Hyundai over the past few months, I felt the need to bring this issue to your attention before it escalates further. Just so you know, we have an excellent credit history with no issues during the three year lease term we concluded in XXXX.

Company response to consumer: Closed
Consumer complaint received 12/26/2017 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: Personal information incorrect

Complaint: Experian is reporting an address that i have never lived at. I disputed the address and it remains. I am not able to submit dispute any longer. Please see below the address is occupied by a Law Firm. this is Not a Residence. 

XXXX XXXX in XXXX, FL | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL https : XXXX Kel Attorneys XXXX XXXX, FL -- XXXX, Phone Number, Reviews, Photos and Video Profile for XXXX FL XXXX XXXX. XXXX XXXX appears in : XXXX Services. 

Requesting that the address be deleted as I Have Never Lived at this Address.

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 10/25/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (WI).
Issue: Making/receiving payments, sending money

Complaint: PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid the collection account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (GU).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In accordance with FCRA & 650B paragraph ( a ), Equifax , XXXX, and XXXX, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax , XXXX, and XXXX delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Late fee

Complaint: I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2016 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job on XXXX/XXXX/16. On XXXX/XXXX/16 I submitted an application with mountain of documents via email to the loss mitigation department. Since, I 've repeatedly received requests to email the same documents. Each time I email them, I call to confirm receipt and I 'm told they have XXXX days to review the documents. After the XXXX days elapse I get another email stating they need the same documentation. I sent an email asking for my representative to phone me and she has not. Today I also sent an email with a link to a dropbox folder than contains all of the documentation they 've requested. No response. I started the process in XX/XX/XXXX knowing that it would take some time. I knew that I would not be able to make my XX/XX/XXXX payment. At this rate, I will not get the deferral approved before my payment is due which could affect credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To whom this regards, I am writing this complaint after my Son and I opened a Scottrade account roughly 3 years ago. The Scottrade account was a joint custodial account with account number XXXX. 

I understand my Son later created a Individual account after turing XXXX, but the subject of this complaint has to do with XXXX. 

I understand that Scottrade suffered a data breach, that left the personal information of many exposed, Scottrade published a Press Release here : XXXX

Company response to consumer: Closed
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: yes get a hold of the XXXX XXXX on this account because this was to be a buy at XXXX for 84 months and the guy tried to pull one on me by putting this as a lease at 48 months at XXXX dollars a month so i lefted the vehicle there a the dealership and i did not want it because he lied to and now it is showing up on my credit report as dedit and i want it off of my credit because they where to throw the lease paper work up and this vehicle was lefted at the dealership and i do not want this new vehicle so get a hold of XXXX XXXX and get this off of my credit thanks you can call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: XXXX reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly {$4.00} over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.

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 03/16/2017 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (HI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am the owner of account number XXXX. 

I am disputing the following transactions that were charged fraudulently to my account without my authorization :XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$210.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$190.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$98.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$83.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$54.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$11.00} XXXX XXXX XXXX HI XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX HI XXXX XXXX, XXXX {$37.00} XXXX XXXX XXXX HI XXXX XXXX, XXXX {$13.00} XXXX XXXX XXXX HI I did not make or authorize these transactions that appear on my account. The debit card used was not in my possession and to the best of my knowledge was stolen on approximately XX/XX/XXXX. I immediately reported it as stolen as soon as I learned of the fraud. I do not have knowledge of the identity of the person who illegally used my card and did not receive any benefit from the transactions listed above. 
I give my consent to Navy Federal Credit Union to release any information regarding my card and/or account to any federal, state, or local law enforcement agency so that the information can ( if necessary ) be used in the investigation and/or prosecution of any person responsible for fraud involving my card and/or account. 
Please adjust my account information to reflect that I have disputed these transactions, remove these items from my statement, and send written confirmation that you have done so. Under the Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) my maximum liability is {$50.00}. Further, Navy Federal Credit Unions Zero Liability policy ensures that I am not responsible for false charges to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with Midwest Recovery Systems (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. 
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Medical debt) with Grant & Weber (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  sent me a letter notifying that my credit card I have not used  in two years will be closing due to a recent scan of my credit report.  Urgently, I got a copy of my report and saw that I had  XXXX  outstanding medical bills since  XXXX  unpaid and sent to collections. I had never seen these before. I called the collections agency, Grant & Weber, and after verbal mistreatment they pointed at me saying it was my fault for not receiving the statements. I had moved to  XXXX  different states within  XXXX  years and  XXXX  residencies in  XXXX  of those states. I calmly asked them what rights I have to verify that they had been sending me letters. They told me I had to pay my collections up front. I let them know I was educated to know I had the right to ask for proof of mailing me these letters from collections. They put me on hold and yelled, " I 'm answering this other guy that wants to pay! I have no time for you! '' Because of this treatment, I will fight this and do what is right. If I owe, of course I  would pay to my Dr. 's. No way am I paying these debt collectors. You are a disapp ointment to our people.  XXXX   XXXX , o f Grant and Weber Collections said, " I have  no interest in helping people. '' Well,  XXXX . No one wants your help if it 's going to be harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: 3 years ago I suffered a theft of financial data by a XXXX employee, when I discovered this I ordered a free on credit, we had several fraudulent transactions as a result of this theft. The freeze tht I ordered was suposed to have been permanent. However on XXXX XXXX this year a purchase was made and finance was done through XXXX XXXX in XXXX GA I was never consulted about unlocking my freezer nor have I unlocked it for any purpose since freezing it. XXXX is unresponsive to hone calls, and now it has given my information to another set of criminals without my consent. 
I would like to have my information removed from their database, period as it is not safe. 
They have been irresponsible and reckless with my finacial information, and are freely giving credit in my name to whom ever requests it

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation