milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cash advance fee

Complaint: On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Mortgage (Other mortgage) with MOVEMENT MORTGAGE LLC (SC).
Issue: Application, originator, mortgage broker

Complaint: Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living. 
See his web site to where he said these type of deals are outrageous!! 









SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers. 

Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX. 

XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX. 

Sound shady? It is ... 

This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul. 

Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies? 

Shameful ... 

Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks. 

" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year. 

Yeah ... what could possibly go wrong? 

XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian continues to list items on my credit report that have reached its Credit reporting statute of limitations of 7 years. I have filed multiple disputes to have these removed from the credit report, and they keep refusing to remove them stating that they have already investigated and will not conduct a new investigation. The other XXXX credit reporting agencies, XXXX and XXXX have removed these negative items, but Experian will not. Here is a list of negative items being reported by Experian that have reached the statute of limitations for reporting : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX I would really like them to follow up with a proper investigation and remove these items, which should no longer appear on my credit report as the other XXXX credit reporting agencies have done

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 05-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Well Fargo Home Mortgage continually increases the escrow. Wells Fargo claims that they see a change in my tax 's and home owners insurance policy. This ca n't be true. Our taxes have not gone up ever in the 15 years we have lived here. Yet Wells Fargo insists that they do go up and so does our home owners insurance cost. I myself setup XXXX veteran services home insurance policy and XXXX has not informed me of a policy increase. This problem with Well Fargo continually says that the monthly payment most go up to cover they costs that should never happen and this is the 3rd time. Wells Fargo refuses to prove that every time they raised the monthly cost of the escrow they actually had a real reason. We have even being paying more then the monthly amount due by nearly XXXX $ more each month and yet ... Wells fargo says we have s shortfall in the escrow, which is impossible. We believe that they are misleading us and not using the escrow account as they are contracted to do in our mortgage.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 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: Information belongs to someone else

Complaint: Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, Experian, XXXX Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.

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 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.

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 03/21/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX - I received a letter in the mail for settlement of debt that is being reported on my credit report. I have paid the agreed amount of {$240.00} to XXXX XXXX XXXX XXXX and no longer owe this debt collect. XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX sent me a " payment receipt for settlement of debt in full '' and it states that they would contact the original creditor shortly and it has be 15 days since payment. The company stated that XXXX XXXX XXXX the original owner of the debt will " in the normal course of their business, make the appropriate amendment to the credit reporting agency ( ies ), if applicable. When this debt was sold to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, it was no longer XXXX XXXX XXXX XXXX. I have satisfied payment in FULL to the company who owns the account which is XXXX XXXX XXXX XXXX There is nothing that XXXX XXXX XXXX will report to the credit reporting agencies because they have sold the debt to another company. THIS DEBT IS NO LONGER OPEN AND SHOULD BE REPORTED AS A DELINQUENT ACCOUNT, NOR A COLLECTION ON MY CREDIT REPORT.

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 04/21/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.

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 10/13/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section 609 as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section 611 and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section 1681, whereas Congress states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? Congress also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 

I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Customer service / Customer relations

Complaint: Citi refused to help in any manner to resolve an issue i had came across thru credit bureau reporting when refinancing my home. they reported me XXXX, XXXX XXXX and closed my account. they insisted they could not help bc of XXXX balance. i was even told that i settled with collections dept when asked about adjustments to the account. after review of past statements is when i learned that my payoff amt posted to my acct 2 days later than the due date incurring a late payment which escalated til XXXX 2016 at which time they wrote off those charges and closed my account and reported serious delq. i never used the card again and so i never checked the account. i never received any further notices or telephone calls to try and collect any amounts from anyone until i reviewed my credit report. i tried to contact them immediately to try to resolve this. i was told several diff stories, XXXX it was an error, XXXX, i made arrangements with collections ( explanation for adjustments ) or could not give any info bc of XXXX balance. i had to request all statements to try and figure everything out. Once it was established that the payout payment posted after XXXX i asked if this could be resolved bc i was a good paying customer and that all charges were just charges of theirs and had indeed collected anything i owed and i wanted to get my credit history returned to its great standing. she refused to help and stated that my reportings would not be fixed bc it was not a banking error and their policies had changed and they were no longer lenient in their late fees. i was only 2 days late and this was a complete error and explained had i known about the charges, i would have contacted them immediately and most likely they would have removed charges.

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 08/13/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Arbitration

Complaint: XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!

Company response to consumer: Closed with explanation