milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Deposits and withdrawals

Complaint: On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account because of a promotion Citi was running where if you met certain criteria with the account, they would give you XXXX XXXX XXXX miles. Well I opened the account XX/XX/XXXX and met the criteria XX/XX/XXXX. A month later I messaged a Citi representative to inquire about when I would receive the miles, and she guaranteed that I would have them in my AA account NO LATER than XX/XX/XXXX. So in between XX/XX/XXXX and XX/XX/XXXX I have been paying fees to have this account open. Well XX/XX/XXXX has come and gone, so I emailed Citi again, asking where the miles were. They then told me that they had opened an investigation of some kind, and said that I may not qualify for the promotion, even after I was told by a Citi rep that I was qualified and the promotional offer was attached to my account. This seems like a classic bait-and-switch to just get my money for the absurdly high $ XXXX monthly maintenance fee.

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 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion has fail to provide me with proper information regarding negative collections on my account. Also, Transunion has verify accounts that have been closed or sold out but have recent payments of {$50.00}, {$30.00} or {$100.00} dls 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 explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRIMARY RESIDENTIAL MORTGAGE (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing this complaint because I feel I was treated unfair. I was Pre Approved for a Mortgage Loan at Primary Residential in  XXXX , Ga. Loan Officer  XXXX   XXXX , was referred to me by my realtor  XXXX   XXXX  that said I should use this Mtg Co because they had a close relationship. Mrs  XXXX  got my permission to pull my credit  XXXXXXXXX  she stated I had a good score  XXXX . Mrs.  XXXX  started requesting documents and told me NOT TO HAVE MY CREDIT PULLED UNTIL AFTER I HAVE CLOSED ON MY NEW HOME. I did everything the loan officer asked I made sure to keep my credit in good standing as well. It became stressful when she had me sending the same documents over and over stating she was not receiving on her end. My  XXXX  in  XXXX  printer/copier/scanner broke down, I went to a  XXXX   XXXX  spent a lot of money faxing to Mrs  XXXX  she still said she was n't getting anything so i went out and bought a new scanner to send the requested documents for I did not want to lose out on this house. To sum it all up my wife  XXXXXXXXXX  from the  XXXXXX  that was caused. At that point since my realtor referred me to this company and they had a close relationship I asked the realtor can I send her the requested documents to forward to the loan  officer  she said " Yes ''. I sent the realtor all documents, she forwarded them to the loan officer. Mrs  XXXX  continued to take her time to get the loan closed.  XXXX  came I called Mrs  XXXX  to get an update she laughed and said she pulled my credit again  XXXX   XXXX  and that my score dropped so she was denying the loan. I asked why did she have to pull again why not use the report from  XXXX  so that it would not affect my score knowing that this would hurt me she hung up the phone. I did not give her permission to pull my credit   XXXX   XXXX     and yes it did impact my score. I feel that she did n't have much knowledge with getting the loan closed so she wasted lots of time gave me the run around so that I would end up having to start all over. I feel that if  Mrs   XXXX  would have processed my documents by sharing with the underwriter or higher superior i feel the loan would have closed in time. I hope this does not happen to anyone else this literally has me in tears.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Credit reporting () with Credit Adjustments Inc (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown on my credit report.

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 10-12-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: My wife went to XXXX and attempted to make a purchase, it was declined. She attempted the same purchase again, it was declined also. However, when I looked at the statement, both purchases were taken out of my account. I contacted Bluebird by American Express, my prepaid card company. They started a dispute, and after about two weeks with no update, I called again. I was told they have no update and that I could not speak with the dispute team because they are a BACK office and have no phone number. I went to the store and found that neither of the transactions were in their system, with the transactions being declined, that is normal. I have been waiting for 6 weeks and I still do not have any update or my money back. Any help in this matter will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital One first contacted me in XXXX XXXX about an account I had opened in XXXX in my name. I later added my husband, and another name, to delegate expenses. Every thing smoothly paid bills on time, had built up over XXXX points. I got a letter in XXXX XXXX, saying my card had a co-applicant which they needed a social security number for as a business account. I called and explained to them that the second name was not a person or a business, but a way I had of delegating expenses on my account. I called again in XXXX XXXX, to verify things and told them again, the co-applicant was not a person or a business, so therefore it had no ss number, just to remove the name, and leave it in my name. They said fine and issued me XXXX new cards, XXXX in my name, the other in the non-oersons name, so I thought the problem was solved. I learned today when I tried to use both cards, XXXX XXXX XXXX, XXXX XXXX my account had been shut down. I called and they said I would have to open a new account, that they had sent me letters on XXXX XXXX, and XXXX XXXX ( which I never receiced either ) and they had taken my hard earned points away, and were giving me a cash credit I asked them to send me copies of the so called letters they had sent, and they were not sure they could locate them. They have my email, my phone number, my mailing address, they are linking this to the XXXX XXXX XXXX, which I understand completely has certain requirements for banks. However, the account has been opened since XXXX, and I have never had a late payment, and I suspect they are trying to close old accounts and talk the customer into opening new more expensive accounts. They say I have no recourse although I called in XXXX and XXXX and answered their questions. I mainly hate to lose my XXXX miles which go away when they arbitrarily close the account, and they say I have no recourse short of accepting a cash payment of XXXX after spending XXXX dollars with them over the years. I have never used my points, just letting them accumulate. Paid my account in full at the end of the month, and a small fee of XXXX yearly to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.

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 02/18/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my sensitive personal information to hackers by utilizing subpar security.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and my family

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 03/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.

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 07/13/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX a debt of {$260.00} appeared on my credit report, the company name convergent outsourcing placed a debt that had already been disputed back in XXXX of 2017 and ultimately deleted on to my experian credit report with no notification or letters that would have given me an opportunity to dispute, deny or pay this debt if I knew anything about it. It is my belief that this collection agency and credit bureau are practicing unfair business practices and I plan to sue both companies if this is not deleted immediately.

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 Mortgage (Conventional home mortgage) with Finance of America Mortgage LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.

Company response to consumer: Closed with explanation