milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Transaction issue

Complaint: Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 XXXX XXXX added a collection of {$1100.00} dollars to my credit file per XXXX XXXX. I have previously tried disputing this accused debt due to them not having a contract. The account was removed, but shortly added back to my file. This happened without the five day WRITTEN notice, therefore XXXX XXXX was in violation. They are supposed to notify via written document that this was to go back on my credit file. They failed to do so, and could have to pay a violation fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Problems when you are unable to pay

Complaint: Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip.
On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: We owe XXXX XXXX XXXX, and since XX/XX/XXXX I have tried to fix the credit report with Experian, it has being three different times that I needed to start a review with them, it took more than a month each time. 
They were many errors and every time, I had to call the companies involved to try to solve it due to the lack of cooperation from Experian. 

They have some employees that want to help but some another ones that they treat you like if you owe them money or if you are doing something wrong, once they told me that we ( the customers ) get hung on the number, well, the number is the score that represents a company, and I needed to improve it, but they would not help. They just wanted us to buy the credit monitoring from them, and then they could help. 

We had a lien from the IRS that is resolved and paid for since last year ( 2016 ), and Experian does not want to delete it out of my credit report, even though there was another lien for a smaller amount, and that one was removed.
The lien affects my company credit score, and the last answer from them it was that it might take seven years to be removed. 
I would like your help in my dealings with Experian, when I call directly they just give me the round around and say that is under investigation.

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 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting XXXX collection accounts on my credit report. I have contacted the company requesting the production of documentation that I signed binding me to the XXXX debt. They can not produce any such documentation. The XXXX alleged account are causing harm to me. I believe my medical information has been released with out my consent. On the billing statements it lists dr ' s office, type of dr , and what services were preformed. I do n't want that information out there. And they re age the accounts. The account numbers on the statement do not reflect those 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 non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Two of the last three months we have paid additional principal payments which were not recorded. In XXXX I contacted them and the next day I got am email that I was correct and how would I like to handle it.I responded to the email to call me and I would authorize payment. I never received a response. The two months in question are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 09/16/2015 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Advertising and marketing

Complaint: I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Credit decision / Underwriting

Complaint: Quicken Loans has a lure on the internet saying if you would like to know about the Making Homes Affordable Act to sign in. When you sign in you get no info about the act. Just a come on to apply for one of their loans and immediate access to giving telemarketers your info to contact and harass you. There is no way to opt out. There should be a sanction on false advertising and an opt out so if you get suckered in you can get out.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, and I am in foreclosure with The Bank Of New York Mellon. 
My loan number is XXXX and the law firm representing the banks file number is XXXX. The law firm is XXXX and their address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX I submitted a XXXX page QWR to the law firm that represents the bank, and I have not received any response. Please look into this for me.. 
Thank you for your consideration.. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!!

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 02-06-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Since XX/XX/2018 i have been charged an excessive amount of bank fees, in the amount of $XXXX dollars. Some of which were not caused by personal error, as well as some caused by account minipulation on behalf of the bank. Flip flopping transactions day to day to cause a bank fee is common practice. I changed my mortgage payment, through XXXX XXXX, to come out the XX/XX/XXXX instead of the XX/XX/XXXX. XXXX XXXX made a mistake and withdrew the mortgage on the XX/XX/XXXX causeing a domino effect of bank fees. I was able to have XXXX XXXX retract the withdrawl, but citizens bank will not return the charged fees on my account. I am opted out of overdraft "protection", so the only method i can incure a fee is from a preauthorized debit or check. With that said, Citizens bank minipulates my account activity to cause a negative balance to charge me a fee. This has happened to me before by this bank, and they have previously returned fees to me, but refuse to return the fees now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MN).
Issue: Trouble during payment process

Complaint: My mortgage was recently sold to Fay Servicing, NMLS ID XXXX. I have been in the process of refinancing and was seeking the payoff schedule. My new mortgage broker requested in XX/XX/XXXX but I didn't receive anything. I then called in to request again on Friday XX/XX/XXXX. I was told there would be a rush job to have a new payoff created and emailed to me by my case manager XXXX XXXX direct number XXXX. I then called back in to follow up on Tuesday XX/XX/XXXX. It was communicated to me that the contact on the XX/XX/XXXX did not request a new payoff and did not notify my case manager. The person that I called on XX/XX/XXXX then said they would request a payoff and instruct my case manager to get her supervisor approval to rush job and then email me the document. I called back into Fay Servicing and left a voice mail for XXXX, my case manager on XX/XX/XXXX asking her to call me and follow up on the payoff. At this point I had rescheduled my closing to refinance two times. I called into Fay Servicing Wednesday XX/XX/XXXX and was instructed by XXXX XXXX to have my loan officer call in to obtain a loan payoff request. This was because my access to the account, under my ex wife's name, had expired according to FayServicing (attached email thread with ex wife and co-borrower XXXX XXXX). XXXX XXXX did do this and both him and I have called every day to follow up. I left  a voice mail for XXXX XXXX on XX/XX/XXXX. XXXX XXXX, mortgage broker, has called twice per day since payoff request and each time when finally talking with someone they could not provide the payoff amount.  I am currently scheduled to close on the refinance Friday XX/XX/XXXX. Any help on this matter is much appreciated. Please see all email attachments confirming ongoing attempts by myself, my co-borrower and my mortgage broker to obtain a payoff number as to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with Alorica Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.

Company response to consumer: Closed with non-monetary relief