milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I used Equifax credit monitoring and I requested a full refund of the fees. My information was not stored securely and I have had personal information stolen in their security breach.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 05/15/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (SC).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?

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 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have receive several call over the past 2 years regarding payment. I signed up a gym called XXXX of XXXX, AZ. When I signed up, I had to provided my debit card. I was n't aware, that the club only offers auto-pay as the only option, so I cancelled the service. XXXX the charged me the introduction fee of {$10.00} and the next month payment of {$20.00}, and annual rate lock fee of {$49.00} and all within 2 days. I like to be able to make my payment myself, in order to control my back account. XXXX is trying to collect a balance of {$120.00}, that I do n't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: I currently have a auto loan with credit acceptance since XXXX of 2016. It seem like they use bullying tactics to get their payments. I went to a In my opinion fraudulent scamming auto company to purchase a car in XXXX of 2016. When the told me I was approved they told me it was through credit acceptance. The never explained to my credit acceptance billing rules and regulations. They were instructed by credit acceptance to put an device I. The vehicle so credit acceptance can shut the car down when I payment was not received. During the time I first got the car I was working. Now I have a XXXX that has me on temporarily XXXX and payments comes twice a month which only comes out to $ XXXX monthly. I have called credit acceptance explain to them what 's going on and let them know my situation but they do n't even seem to care about a XXXX person all they want is their payment. Which I understand I do have the vehicle and it must be paid for. But if I 'm explaining what my situation is and is making payments when ever I receive my check they wo n't give me any leave way. There has been a time I was going for medical treatment and missed out on it because credit acceptance activated the device in the car which prevents it from shutting on for XXXX XXXX and some odd dollars that was n't paid. So it seem to me a person facing a life or death situation does n't mean anything to them more than their payments. They need to stop their bullying tactics and try working with their customers. If it was n't for that car being my life line I would just let it go. Like I said XXXX had that crooked car dealership let me know about this I would have never agreed to accept or sign off any loan agreement with credit acceptance

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 09/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I provided proof of the Federal Tax Lien being released and removed. All credit bureaus XXXX, XXXX have been removed, but EQUIFAX refuses to remove it even once the proof was given. I disputed 3 times NOTHING has happened. Its EXTREMLY FRUSTRATING

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (I do not know) with Penn Credit Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax is showing same bankruptcy on credit report twice file date was XX/XX/XXXX And discharge date was XX/XX/XXXX for the same bankruptcy. I have 4 open disputes with equifax I 've sent them faxes and uploads showing this

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XX/XX/18 I submitted an online application for a XXXX XXXX store credit card through XXXX XXXX. I was told by XXXX XXXXXXXX customer support that I would get an immediate response on line, either approved or denied. With the online approval, I would get a card number that I would then be able to use today to make an online purchase with their promotional rate, even though I would not get the physical card for 7-10 days. I submitted the application and got a prompt to call XXXX XXXX as they needed additional information. When I called, they completed the application and approved me for a {$4500.00} credit line. However, since the approval was not on line and the application was technically completed by a live person, all they could issue me was a reference number. As such, I could not access this card to make my purchase. Synchrony failed to disclose that this added step would result in my not getting a usable credit card number today. I no longer need this card, yet a credit check was done! I intend to cancel this card but can not for at least 3 days, as per the bank! this is an outrageous abuse and misrepresentation. Synchrony and XXXX XXXX have mislead what would have been a loyal customer. I do not have an account number, as mentioned previously, as I have to wait 7-10 business days to get the actual card.

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 04/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  XXXX   XXXX   XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Dear CFPB, I will continue to submit complaints until you hear my plea 's. You hear and do nothing and I wish you would take action. I continue to be bullied and overcharged for interest by a predatory financial center. Every time I email and request help, they extend the abuse, hopping I will quit complaining and raising my voice as an oppressed consumer. But I will not, I will scream at the top of my lungs to the the rulers of the jurisdiction under which they lay. 
You, Dear CFPB, must speak up as a voice of the people and answer the cries of those without a voice, you must give the key to those shackled by the tyrannical oppressors! It is you oh great CFPB that must answer the call and respond to the injustice laid before you here today!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Identity theft accounts/ XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 01/29/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.

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 09/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo continues to report false bankruptcy information to XXXX and XXXX XXXX. I received my disputed report back in the mail from XXXX around XX/XX/2016 and the information is still plainly there and simply states consumer still disputes after investigation. I have called Wells Fargo and they simply refuse to correct this erroneous information and I have been turned down for a mortgage loan from XXXX because of their negligent reporting.

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 12-02-2015 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following are unauthorized credit inquiries reflected on my report and they are without a valid need : XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They lowered my credit score most likely and led to financial damage when I applied for credit so I'd like to be fairly compensated.

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 06-01-2017 about Debt collection (Federal student loan debt) with Immediate Credit Recovery (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.

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 08/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It is being reported that I owe XXXX money and is reported as me missing the payments every month. These accounts are " charged off " and no longer supported by them. They are not taking communication on them and they were sent to a collection company but there is no information on what company has the accounts on mky report so I can dispute them. These are charges made on my name on a building that I did not own at the time of the charges due to XXXX XXXX not processing the shut off for the leave on for landlord. Per XXXX XXXX these accounts are charged off no payment to them due. Should not be showing any late payments ever on this

Company response to consumer: Closed with explanation