milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: I purchased a XXXX from an XXXX seller and it was not as advertised. The product was damaged. I contacted XXXX support and they asked me to return the item back to seller and I provided both seller and XXXX with a tracking number. The tracking number for the item I shipped back is XXXX XXXX. XXXX told me they could not refund me the amount owed. The product is {$1000.00} and I paid an additional {$89.00} to ship the item back to seller. I called Capitol One and asked them to dispute the charge of {$1000.00} after I gave them the appropriate documents by email and also submitted to them the tracking number for my return. Capitol One told me I had to wait 10 business days to receive a refund. I contacted them again after 10 business days and Capitol One told me to wait another 10 business days. I feel like I will not be getting my refund of {$1000.00} especially when the tracking number proves I returned the item back to seller on XXXX XXXX, 2016 and I am still not issued a refund. Capitol One is also charging me interest charges for the amount I am disputing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 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: Information belongs to someone else

Complaint: -XXXX County Clerk - Falsely reporting to my credit report {$10000.00} as a Federal Tax Lien from XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already dis

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx

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 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX XXXX sent an electronic check in the amount of {$930.00} to Wells Fargo in my behalf toward a home mortgage. 
On XX/XX/XXXX the {$930.00} was refunded to my bank account I was contacted mid XXXX by Wells Fargo stating that I had not payed my mortgage and that their system had changed. They would no longer be accepting the E-Checks and I would have to resubmit paper checks to a new address for mortgage payments. 

On XX/XX/XXXX I notified XXXX of the changes and resubmitted two paper checks ( both ) in the amount of {$930.00}. 

I was contacted mid XXXX by Wells Fargo stating that they had not received my mortgage payments and that I was now three months behind. XXXX XXXX XXXX were notified and got in contact with me recommending that I place a stop payment on the checks that " they did not receive '' and make new payments. 

On XX/XX/XXXX XXXX provided me with printed copies of the paper checks signed and payee endorsed by Wells Fargo on XXXX XXXX XXXX and told me that they could no longer place a stop payment on these checks. 

On XX/XX/XXXX After weeks of futile talks with Wells Fargo Reps on the location of my money I sent a fax ( upon their request ) of the copies of the endorsed paper checks. 

On XX/XX/XXXX I made a follow up phone call to see if they had received the fax. I was told that they were investigating the case and that no further information could be given pending completion of send investigation. They estimated completion by XX/XX/XXXX. 

On XX/XX/XXXX Still having not heard from Wells Fargo, I made a follow up call and was given an e-mail address to one of the " investigators '' and told to send him an email detailing what was going on. I am currently waiting for a response ...

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 10/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: X/X/2017 I read about the Equifax data breach.
Equifax said to go to https : //www.equifaxsecurity2017.com/ and enter information to see if I was impacted.
Once entering my information it said I was now enrolled in their TrustedID service. There was no option to choose to opt-in to this service. There was nothing warning me this would happen and it 's unlawful to force me into opting-in.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. 

I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. 

As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Unsolicited issuance of credit card

Complaint: XXXX, a Wells Fargo company, claims I opened an account with them in early XXXX w/ a limit of {$6200.00}. I did not open this account nor did I ever use it. I would never do business with a Wells Fargo company due to their practices and consumer lawsuit history. When I saw the account on my credit report in XXXX, I called them, told them I never opened the account and insisted they close it. While they did they reported that they closed it instead of noting it was their mistake. I believe them to be a predatory company & should be investigated for same.

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 08-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage being serviced by Ocwen and they have failed to reduce my principle or offer me any relief as ordered in the CFPB agreement dated XX/XX/XXXX. I have received legal foreclosure papers to appear on XX/XX/XXXX at XXXX district court XXXX XXXX XXXX XXXX. XXXX Michigan XXXX XXXX number XXXX. I feel Ocwen is not abiding by the order.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with ExperianXXXX. XXXX deleted the account per proper reporting information. Experian changed the account and update it to fall off XXXX XXXX which is very incorrect information. I am uploading a copy of that report from Experian as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Money transfers (Domestic (US) money transfer) with Blackhawk Network Holdings Inc. (DC).
Issue: Other transaction issues

Complaint: Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with Recovery Solutions Group, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received three calls from Recovery Solutions Group that XXXX complaints had been filed against me and i had pending charges and because they could not reach me by phone, they would be actively pursuing me at my place of employment or residence and when I was located I would be forfeiting my rights. In one message, it was stated that I needed to contact the issuing agents legal department to rectify the matter and I had been officially notified. All three messages were from different telephone numbers but had the same case number. Family members such as my mother and XXXX year old grandmother have received these messages stating that legal action was going to be taken against me if they did not give my contact information. One person actually told my mom that it would be wise of her if she told me to call them back. These people are not only threatening me, but family members. My sister received a call from someone telling her that I had put her down as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Other service problem

Complaint: MoneyGram wo n't  let me using online service ( sign up account, send money via online, ... els. ) This is not fair. This company is so racing to human.

Company response to consumer: Closed with explanation