milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with PNC Bank N.A. (VA).
Issue: Billing disputes

Complaint: PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!

Company response to consumer: Closed
Consumer complaint received 07/22/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # 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 Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
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 explanation
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with Merchants Credit Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Merchants cb XXXX claims i owe XXXX have disputed many times this debt. I have requested documentation of original debt have never recieved proof of this original debt exept the bill i owe them which doesnt prove this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am trying to secure a home loan at  XXXX   XXXX    XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have  contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself. One  of the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  XXXX   XXXX   XXXX  has been highly uncoorperative. They have been contacted over 6 times sinc e  X/X/17  whe n the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   X/X/17 ,  two more times with dates I did not document. On  X/XX/17  I   spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   X/XX/17     I spoke to   XXXX    who opened a case, took down my information and told me someone will call me. Noone called. On   X/XX/17  I  spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of tim e they have charged me a 30, 60 day late charge and reported to Experian,  XXXX ,  XXXX  lowering my credit score. I was also informed that they are going to charge me a 9 0 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  XXXX    XXXX    will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  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 12-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I began going through a divorce XX/XX/XXXX. After which I was unable to continue payments on my XXXX XXXX XXXX credit card. Once I was able, I began making payments to XXXX XXXX XXXX and paid the balance owed in full on XX/XX/XXXX. During this time period I received notice from XXXX Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final payment I had sent to XXXX XXXX XXXX. In return they sent me the attached letter dated XX/XX/XXXX. I NEVER sent any payment to Asset Acceptance LLC. I have tried unsuccessfully to have this negative information removed from my credit file but they continue to report and re-date the file. They continue to knowingly report inaccurate information to the credit bureaus. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.

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 04/18/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: Not only have JPMorgan Chase Bank , N.A . and its Agents failed to produce a live physcial note with a wet signature which secures the collateral tied to a " mortgage '' that has violated various regulations set forth in the Truth-In-Lending Act, JPMorgan Chase Bank , N.A . and its Agents, continue to abuse their customers in foreclosure after committing mortgage fraud by altering documents and attempting to exercise expropriation of private property unaffilated with said " mortgage ''. 

Statements set forth in Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act are not true and not correct. The Attorney representing JPMorgan Chase Bank, N.A fraudulently added an additional Tax no. ( XXXX ) to the Notice of Sale Pursuant to Judgement of Foreclosure dated XXXX XXXX, XXXX under Illinois Mortgage Foreclosure Act that altered the Judgement of Foreclosure and Order of Sale filed on XXXX XXXX, XXXX. The Motion to Stay Foreclosure Sale filed XXXX XXXX, XXXX is attached to the complaint. 

The additional Tax no. ( XXXX ) fraudulently included on the Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act is owned by the taxpayers listed below. This fraudulent addition of Tax no. ( XXXX ) altered the Judgement of Foreclosure and order of Sale filed XXXX XXXX, XXXX entered by Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. This is abuse by JPMorgan Chase Bank , N.A . and its Attorneys of the regulations set forth in the Illinois Mortgage Foreclosure Act to expropriate private property for private use without payment of compensation to the below taxpayers. 

Taxpayers of Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Taxes are paid by the Taxpayers of record as listed above for the Tax Year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found this company to be reporting XXXX frivolous debts on my credit report, hence on XXXX XXXX, I sent this company a request to validate the accounts. The company responded back with a bewildering reply, where they failed to provide me with any form of validation and instead asked that I provide them proof of fraud. ( see attached response )

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Payday loan () with BlueChip Financial (NJ).
Issue: Can't contact lender

Complaint: In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation