milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: I recently accepted an offer for the GM " XXXX '' rewards card. I created an online account and enabled online billing statements as I do with all of my cards. Shortly after doing this, CapitalOne started listing the online portal as " Website Maintenance in Progress ''. I have tried to access the portal on numerous occasions over the past month but the portal has been " Website Maintenance in Progress '' every time I have attempted to access it. Given the maintenance, I can not log in to my online account to make payments, or more importantly, receive my billing statement. I was forced to make a phone payment on this account without being able to review my statement for accuracy. 

I contacted CapitalOne on several occasions via social media and email but I never heard back from them. This has been ongoing for well over a month and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear CFPB : Resurgent Capital Services keeps trying to collect on an old, already-repaid credit card debt. I repaid this credit card debt in XXXX 2006! 

Unfortunately, the original collection agency never reported my debt as repaid to the XXXX main credit reporting bureaus. 

Today, Resurgent Capital Services called XXXX of my relatives and left a " threatening, creepy '' message for me on his answering machine. This is totally illegal! Resurgent should not be harassing my relatives or friends! They should not be leaving threatening messages! 

I already sent Resurgent XXXX letter, via certified mail, stating that I had repaid the debt in 2006. 

In addition, XXXX XXXX XXXX and XXXX XXXX both stated they were no longer going to try to collect on the debt, as it had already been repaid. That is why I was very surprised to hear I had received a threatening message today from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: THE FOLLOWING SEQUENCE OF EVENTS OCCURRED : 1. XXXX ETH ( Digital Currency ) was deposited into my Etherium Coinbase Wallet Account from an external Crpyto Exchange on XX/XX/XXXX. 
2. I sold ( Exchanged ) the ETH ( Digital Currency ) on Coinbase for USD fiat and requested that the USD fiat funds be deposited into my XXXX XXXX account on XX/XX/XXXX. See message below. 

Message Sold XXXX ETH for {$7900.00} USD. 

Payment will be SENT to XXXX BANK XXXX by Wednesday XX/XX/XXXX. 


The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested. 

See further message below : Your sell for {$8000.00} USD of ETH has started Reference code XXXX Payment method XXXX XXXX XXXX Start date XX/XX/XXXX Estimated payout XX/XX/XXXX Amount XXXX ETH Exchange rate @ {$740.00} / ETH Subtotal {$8000.00} Fee {$80.00} Total {$7900.00} The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: As a result of the XXXX data breach, I was trying to freeze or lock access to my credit report to prevent identity theft. After successfully doing that with XXXX, I attempted the same thing with Transunion. After completing my request and locking my report, I received an email informing me that I was being charged {$22.00} monthly. 
At no time while completing my request was I presented any costs or let alone asked to approve charges. I did provide credit card information, but it was requested in such a way that I thought it was a part of the identity verification process. 
The only way to contact Transunion is by phone. So, when I tried to contact Transunion by phone, I could not get through leaving me with no way to resolve this issue. I tried three different times. There is no email contact method offered. 
My major complaint is that the website is at best confusing and at worst deliberately misleading.

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 Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (WA).
Issue: Settlement process and costs

Complaint: I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Rewards

Complaint: My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NJ).
Issue: Account opening, closing, or management

Complaint: I attempted to access my money market account and was told the account was dormant even though I did everything requested by the bank to keep the account active

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Bank of America Visa card has been compromised again! Third or fourth time in as many years. Getting tired of this old story. BoA does not identify the problem merchant, or any other cause.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with I.C. System, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection agency, I.C. Systems Inc, has listed a collection account on my credit files in the amount of {$370.00}. I have never done business with I.C. Systems Inc. I do n't have a signed contract nor any other type of contract with I.C. Systems Inc. I have the right to demand to see a signed contract between myself and this company as well as validation of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and I.C. Systems Inc.and complete validation of the debt pursuant to FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (LA).
Issue: Confusing or misleading advertising or marketing

Complaint: i was told that credit repair would be able to remove all of my negative items within 9 month and it has been much longer than that. i was not told i had to get stuff notarized in the beginning of me joining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I didnt authorize XXXX XXXX credit bureau unit to pull my credit files

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 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I noticed that Experian had, unbeknownst ( and unauthorized ) by me, had signed me up for monthly credit monitoring. I did n't notice it until the second month, at which time I contacted the company. I was able to get the account cancelled and to get the second month 's charges reversed. However, the customer service rep was " unable '' to reverse the first month 's charges. She transferred me to a supervisor, but that person never picked up, so I abandoned the call and submitted a dispute through my credit card company. I 'm still waiting for the results.

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 05/19/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.

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 10/24/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: 10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the bran ch manager.  She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via  XXXX  and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to  XXXX  and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: You have refused to address the information that shows Bank of America acted in a retaliatory manner when it transferred our loan to XXXX in XXXX XXXX requiring us to make 2 mortgage payments in XX/XX/XXXX ( and taking weeks to resolve ). You have refused to address that Bank of America said we did n't have income to quality for refinancing under HARP. You have refused to address that Bank of America told us we were in default when we were never late on a payment. You have refused to address that Bank of America sent us private information on another borrower. You have refused to address that Bank of America falsely told us we could reapply under HARP when there is no evidence of that. The Ombudsman has never answered our challenge mailed XXXX XXXX XXXX in CFPB XXXX and CFPB XXXX. In short, you do not pay attention to detail and evidence to any extent.

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
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem  report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then  risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. 

I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX  XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.

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