milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Capital One keeps cutting off my credit card for " fraud '' reasons. First, I applied online for the card and was approved. No further information required. 

Then, I called for an unrelated reason and was routed to their fraud department. They said I needed to send in my driver 's license. Understanding the need for verification, I did that. They guaranteed this was all that was needed. 

Then, I get a call telling me that they got the license but now they needed my social security card and a utility bill. I told the person that I had already provided the license, which they had previously told me would be sufficient. They did n't care and made me send in the additional documents, which I did, and the card was active. 

Then, ALL OF A SUDDEN, I had been using the card for some time and Capital One shuts it off without telling me. I call and they tell me they need THE DRIVER 'S LICENSE I SENT ORIGINALLY! It took the man looking through his notes to realize I had provided this and much more already to re-activate my card. 

I understand the need for security but this is ridiculous. Capital One can not just continuously cut off people 's credit cards because they ca n't keep track of the sensitive personal documents that people send in.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion continue to report data in my report from XXXX XXXX XXXX ( a collection agency ) which has been proven to be erroneous 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 04-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yesterday afternoon I received in the U.S. mail my copy of my " Equifax '' credit report dated " XXXX XXXX, 2017. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' section it states that a company named " XXXX, XXXX '' inquired of my credit on " XXXX/XXXX/2017. '' I just renewed my apartment lease for another 12 months on XXXX XXXX, 2017 so why would I buy a home? This unlawful " XXXX XXXX, XXXX '' credit inquiry/notation on my " Equifax '' credit file is NOT mine. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: experian reporting a judgement on my credit report this judgement was vacated please remove this asap.

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 07/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Argon Credit (CA).
Issue: Problem when making payments

Complaint: I am in the process of repairing my credit so I can purchase a new home. In this efforts I came across a negative mark on my credit report from Argon Credit. In further looking into this I came across a statement for XXXX 2017 that showed I had not made payments since XXXX  and the payment in XXXX shows it was short by {$50.00}. I contacted them and said that the payments come out of my checking account on or around the XXXX of each month and they have been since the loan started. I have all the ACH check withdrawals they did. They even had a late fee on my statement and that is impossible since they do the ACH. I do n't pay it directly. Never have any payments been NSF either. They looked into it and said yes our system made a mistake with all of my payments which totaled {$1400.00} outstanding. They said they would fix it and send me a new statement. They never did. I kept calling and they finally said they made the changes and would send me a new statement and take off the negative mark on my credit. They still have not and today I received an outstanding loan notice saying I have not paid my loan for XXXX/XXXX/17 when in fact it came out of my account on the XXXX of XXXX as normal. This is getting out of control. I called them again and she said sorry this notice went out to everyone whether current or outstanding. That was confusing to me. She said she would send me a new statement today and get my credit report fixed. This company is doing nothing but ruining my credit when they are the ones at fault for all of the mistakes. I deserve my credit report fixed so I can move on. I have started this process XXXX/XXXX/17 so it has been a couple weeks of non stop harassment and them not taking care of their part.
Just an FYI - I originally opened this account under my former address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Untimely response
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.

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 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: For the last four years I have applied for a XXXX Card thru Barclays Bank. Every year I am denied. In XX/XX/XXXX, I applied for a XXXX  card thru Barclays Bank and was Approved. XX/XX/XXXX I applied for another XXXX   Card thru Barclays bank and was denied. So, I contacted customer service and spoke with the review department and was able to speak to XXXX and escalated to XXXX.

XXXX. advised that the XXXX card was denied. They had not run a hard hit but due to the records on file in house of a bankruptcy from XX/XX/XXXX it was the reason for the denial. I asked how long would this record be on file and he advised he was unsure and had know knowledge if it would be removed from their system. I was also advised that this was the policy, which he could not give me specifics on their policies, could not email or mail me anything. Then I advised him of my XXXX card that has been in good standing for the last 4 years, that was approved by them which was closed this month due to XXXX  closing. He goes on to advise me that its a possibility that the card fell thru the cracks! Not the case, because they could have closed my account.

The supervisor XXXX was no help either and simply reiterated was XXXX said. I feel that their practices are unfair, the don't provide information that makes any sense to the consumer. What can be done to assist me with 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 explanation
Consumer complaint received 02-04-2017 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: This website tells it all. We were under the 90 day to vacate agreement with Bank of America, we did not take cash for keys. XXXX week before we were to vacate, we were viciously attacked in our home by the new owner 's adult son. I need justice and I am not getting it! Please help me, I 'm a widow under great attack. 
Thank you! 
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 02-03-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Problem when making payments

Complaint: I am enrolled in the XXXX XXXX upgrade program administered by Citizens Bank. The bank sends no statements whatsoever annotating payment history, and its online portal does not display any payment history. I am unable to obtain records for the payments I made, all on time and in full compliance with the loan terms, so that I can file the associate expenses for my mobile phone equipment on my 2017 taxes. 

Citizens Bank acknowledged the system was unable to denote the account history and submitted a ticket for repair back in early XX/XX/XXXX. It remains unresolved, and tax filing deadlines are at risk of being missed for business filings. 

The portion of the system that takes the customer 's money works flawlessly. The actual compliance and records portion still does not work, and it will ultimately end up costing me financially due to their inability to provide the agreed upon services.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check to my account before leaving XXXX on a trip. 
The deposit went through as it was exactly the same as on multiple deposits previously, XXXX Bank, Same Branch, Same Accounts ( issuer and issued ), Same Signer, Same amount ( actually lesser amount than most recent accepted deposit, but same as a previous amount ), Same Name, Same Endorser, Same Everything! But For No Valid or Given Reason This Deposit Was Reversed By the Branch Manager In Order To Extort and Sell Branch Products. 
I Was Treated Inhumanly and Extremely Unprofessionally With Direct Disrespect and Deprivation of My Livelihood as well as Insult to my Character. 
I am Currently XXXX so there is Direct Negative Impact on My Survival.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX    XXXX   on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from the  Business manager, saying I w as not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran 9 times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business  manager  said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

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 08-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i have contacted Exqufax numerous times in their Exective office each time I am dealing with a XXXX who is not taken my complaint serious I sent a certified Letter asking for the help of the General Counsel and was told by the XXXX Operator I was n't getting anyone, they block my number I have to block theirs to call, they have XXXX inquires that should not be when auto shopping only XXXX is to count against my fico score they are counting all of them, XXXX is not, I feel because I am white they are not helping me, they are not taking off duplicate student loans the government purchased the loans they can see this but yet after I filed bankruptcy they still insist on reporting the negative duplicate student loans XXXX back from 1993. I have ran numerous discrepancies I feel they are not helping due to my race. They are making my health worse I have XXXX and XXXX they are rude and do not do the job they are supposed to do, I feel if I where XXXX they would help. 
certified letter when out two weeks ago still not contact and tried to call the operator again she told me I was not talking to anyone, now since I told them I thought this was a race issue they blocked my number, so you figure it out, only XXXX work there except for the executives, and the customer service, the executives office is all XXXX the operator is XXXX and she hangs up o on you and does not care, I have phone records to prove this, I want this XXXX off my credit, the auto shopping I should not have XXXX different ones each counting and lowering my score,

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Bank of America did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!

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 06-02-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. 
The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year

Company response to consumer: Closed with non-monetary relief