milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Elite Financial Services, Inc (MA) (MA).
Issue: Unexpected or other fees

Complaint: I called a company Elite Financial Services Inc. to consolidate my credit cards they send me a paper to sign, they amount they charging me is crazy. they are taking advantage of innocent people like me who are desparate going through financial problems, i hope they do n't do to other people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Credit card () with SYNCHRONY FINANCIAL (IA).
Issue: APR or interest rate

Complaint: My XXXX Extras Mastercard was maxed out and I was unable to make payments due to a short period of having little work being self employed at the time. ( Before this time I always made my payments on time and was able to get my card paid down ). I called XXXX and shut the card down at which point they lowered the interest rate so that I could get the card paid down. Everything was going well and after a period of time they sent me a letter saying that our payment agreement and interest agreement was up and that my interest rate would again rise to 18.24 percent. I have been calling to try and speak with someone about this but they just keep transferring me to another number where I go through the same thing. They are giving me the run around and avoiding speaking to me. They keep telling me they are sorry and will connect me to someone who can help and give me numbers to call but I can never get a hold of anyone that says they can help and the numbers they give me are just another number to the main automated payment number. At this rate I will never be able to pay this card off. Interest accounts for XXXX of my payments. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous debt collection calls from Midland Credit Mgt. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX. Collection Agency blocks their name on caller id ( shows as private caller ). I located the business name by using on-line acct management tools provided by my the telephone company. I informed this company that the person they are asking for is unknown to me. I also informed them they are violating telephone consumer protection act by blocking caller ID. I then spoke with a supervisor and demanded they remove my phone number from their system and cease and desist calling the number as I am not the debtor. I continue to receive calls from this company with blocked caller ID. Last call received XX/XX/XXXX was from an abusive representative who said she did n't care that I asked not to be called and she was breaking no laws. She hung on me when I asked to speak with a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian disregards without conscience disputes initiated by its consumers under FCRA. After submitting additional documentation regarding public records several employees specifically " XXXX '' and " XXXX '' under XXXX XXXX negligently handled my dispute. I sent documented proof in support of my claim over a month prior and XXXX specifically stated the information is still located in the mailroom. Furthermore, Sup. XXXX allegedly went to retrieve said documents in a followup phone call only to dismiss the relevance by a reckless " Experian Policy ''. That is, ignore your claim and tell you anything whether you believe it or not. Well, I believe we need to have a sitdown at a proper venue.

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 03-06-2017 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On XXXX XXXX, 2017 I received XXXX pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as XXXX, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of {$89.00} which was all of the fees that I had been charged to date including the {$29.00} annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as XXXX ( employee ID # XXXX ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep XXXX XXXX XXXX had not credited all of the fees and that he would do so right then in the amount of {$4.00} which was the amount of interest charges that was missed by the previous rep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I transfered {$82000.00} to coinbase from the same account I had originally registered with. On XX/XX/XXXX at XXXX XXXX, I sent an email to coinbase support asking why twenty days had passed since sending the transfer and it still did not reflect in my coinbase account. On XX/XX/XXXX at XXXX, they answered " I was able to locate the deposit however we can not accept the wire since it is under a business name ( the same business account which was used to deposit all the previous transfers to coinbase ), the wire will be returned. I am still waiting for the transfer for a month now. I have read of many others experiencing this same issue for even longer periods of time. This money is required for my day to day expenses and will be hinderin meeting my families financial responsibilites if not returned soon

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (I do not know) with Meridian ARG Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received several calls over three days from Cambridge Asset Management from a landline number in Tennessee. I do not answer calls I do not recognize. They do not leave a message. I called them back to see who was repeatedly calling after the 4th call. They wanted to speak to " XXXX. '' I told them I am not " XXXX '' and to quit calling my number. Immediately upon hanging up the man called me back using " unknown ''. When I answered and recognized his voice I again told him to stop calling me. They called twice again today. I called back and asked for the name of the company. He told me and I asked for their address. He asked why I wanted to know. I told him I had repeatedly asked them not to call my number and I was reporting them for harassment. He asked who I had spoken with yesterday and I told him he was the one I spoke with. He tried to say it was not him. Unless he has a twin brother who sounds like him it was the same person. When I would not buy his " we only called today and I am not the same guy '' spiel he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had {$4000.00} of fraud on my account, XXXX XXXX. I have called my creditor 4 times, and they told me that they would have it removed at the conclusion of every customer service call, yet it still shows on the account, and at this point the same charges are actually showing up again, after they were removed, twice.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to XXXX Credit Bureau. This is my third time reporting this company. The company is Consumer Portofolio Services. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 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 am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Mortgage) with McCalla Raymer Leibert Pierce, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 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: Public record information inaccurate

Complaint: IRS withdrew my tax lien and the CRA are refusing to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I saw the following on my XXXX XXXX account, however, I did not authorize any hard credit inquires for the following : XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX from Equifax XXXX, XXXX XXXX NH, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (AR).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.

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 03/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I have had a checking/savings account with Wells Fargo since XXXX. Without any contact or warning, my account was shown as frozen around XXXX XXXX, XXXX. I got a letter from Wells Fargo stating that they were closing my account due to a " business decision. '' No further explanation has been given. At the same time, I am not allowed to withdraw any of the money that I have to check or to another bank until Wells Fargo 's arbitrary date of XXXX XXXX. They are holding almost {$8000.00} in funds from my use, which I need to help pay my bills. They have not been helpful either over the phone or in the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief