milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (MI).
Issue: Managing, opening, or closing account

Complaint: A Citi bank debit card was issued in the amount of {$66.00}, from XXXX due to a battery leak in XXXX of our electronic devices. The card had an expiration date of XXXX and was not used. 

We called to have the card reissued, but were told by Citi Bank they would not reissue the card, because it fell outside of 180 days of their reissue policies. 

We then explained that per the XX/XX/XXXX Credit Card Act that all prepaid Visa and MasterCard 's have a 5 year protection via the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX that was passed into federal law. 

XXXXWe asked for an escalation, but were told the exact same thing by another representative, which brought us here to your site and services. 

If Citi Bank is exempt from this particular piece of legislation then we would like in writing why they are. Please have them state, in writing, per the XX/XX/XXXX CCA, the exact clauses that allow them to not comply with the 5 year federal expiration timeline.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Due to the XXXX hacking incident, I now have to go to all the trouble of freezing credit reports and taking other precautionary measures due to this company 's failure of provide the simple security services they are licensed to provide. But the websites of XXXX and Transunion are not working so I ca n't even take the precautions. XXXX at least provided a means to mail in the documents, but Transunion 's website is apparently so overwhelmed that it wo n't even tell me what to do using regular mail service. 

I did n't ask for any of this. This is all due to corporate failure and it 's a huge imposition of millions of citizens. Talk about a waste of time and lost productivity.

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 08-11-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Other mortgage) with CROSSCOUNTRY MORTGAGE INC (OH).
Issue: Application, originator, mortgage broker

Complaint: Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (HI).
Issue: Managing the loan or lease

Complaint: I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ). 
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money. 
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for. 
I appreciate your assistance in looking into, and your help in resolving, this matter. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.

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 07-09-2015 about Credit card () with CITIBANK, N.A. (KY).
Issue: Credit determination

Complaint: On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency could/would not provide any documentation that I owed the debt nor could they verify that they had tried to contact me via mail or otherwise. The agency has filed a judgment on me in the amount of {$1200.00}. The name of the collection agency is : Fein Such Kahn & Shepherd P.C. 
XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 noticed inaccurate information on credit report about a Public Record and a collection for XXXX XXXX XXXX. TransUnion was notified on several occasions about the inaccuracies on credit report. It was supposedly investigated but I never received any results from said investigations. After call and getting no resolve I sent a certified letter asking for validation and verification of investigation along with an updated credit report. It has been over thirty days and I have not received anything.

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 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Have tried three times to receive my report as well as have is verified and updated, i have not received any response and need to do have it fixed

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed multiple disputes with Transunion regarding fraud on my accounts. However, they continue to verify those accounts. The accounts include gap ( acct # XXXX ) XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ). Even with police reports, transunion refuses to remove these above mentioned accounts from my credit report. CFPB complaints have been filed against them independently. Transunion needs to follow laws regarding fraud voluntarily. I want these accounts blocked from my Transunion credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with SallieMae. Each are enrolled in auto-debit and have been for more than a year. This is confirmed in my account information available online and has been verified during a multiple calls with their customer support. Despite being enrolled in auto-debt, the accounts do not auto-debit and I receive a call from SallieMae that I am delinquent on my account every month. I believe this practice is intentional in an effort gain more interest on my accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: citi will not refund credit due me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.

Company response to consumer: Closed with non-monetary relief