milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Using a debit or ATM card

Complaint: I have a checking account with Capital One 360. On XX/XX/2016, I needed to make an ATM withdrawal. I went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and there was a sign on the ATM indicating it was out of order. I then went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and that ATM was also out of order. I then, needing access to my money and not having any more time to drive all over town, went to the ATM at XXXX XXXX in XXXX XXXX, IL, and used there ATM, and incurred a {$4.00} fee for using a non-network ATM. I called Capital One and was told by a super visor " XXXX '', that they do not care how many ATM 's I have to go to, they do not reimburse fees. XXXX also told me that she does not have a phone number to reach her directly, and that she does not have a boss and is the highest level person I can speak to at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: This complaint is being field against Select Portfolio Servicing ( SPS ) negligence, misrepresentation and deception. This matter surrounds events and conversations which took place between the dates of XX/XX/XXXX until XX/XX/XXXX, with SPS agents and supervisors. 

We received two separate loan modification offers one stating that a payment was due in the amount of {$310.00}, by the date of XX/XX/XXXX. The second modification offer was requesting payment by XX/XX/XXXX. 

Payment was made in the amount of {$310.00}, on or about XX/XX/XXXX. According to the SPS, agent XXXX XXXX, XX/XX/XXXX, it was discussed that at the time this payment was posted to the account that particular offer had been cancelled by SPS. XXXX XXXX, then stated that our loan had been approved for modification .what is known as a Streamline offer from the Investor. Payments were to be made in the amount of {$310.00} due by XX/XX/XXXX. 

As a result, XX/XX/XXXX, Call was internally transferred to XXXX XXXX, XXXX XXXX advised that she was able to concur with all of the information that XXXX XXXX had previously provided. 

XXXX XXXX, then suggested that since there was an approval for the Streamline offer, which didnt require payment due until XX/XX/XXXX, a payment only be made in the amount of {$2.00}. She stated that SPS, would apply the suspense payment of {$310.00} with the {$2.00} and apply it as a whole payment toward the modification offer valid at that time. XXXX XXXX, went as far as placing the call on an extended hold in order to acquire supervisor XXXX XXXX. XXXX allegedly gave his approval of the payment terms, to be applied as one payment the XX/XX/XXXX. 

As a result of both the lack of guidance in SPS agents XXXX XXXX and supervisor XXXX XXXX, the terms of acceptance of the XX/XX/XXXX, loan modification offer have been cancelled. These errors and misconduct have placed our home in foreclosure as well as SPS have collected payments and misapplied payments inappropriately which are violations nine recent categories of requirements under the provisions added by the Dodd-Frank Act to the Truth in Lending Act ( TILA ), and, therefore, reside in TILAs implementing regulation, Regulation Z, 12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation, Regulation X, 12 C.F.R. Part 1024 ( Reg. X ). [ 1 ] and the FDCPA 1692e : Debt collector false statements and misleading representations are prohibited. 
. 

SPS, is now demanding that we start this process all over and they have failed to apply modification payments accordingly. This is an error made by SPS and we demand that our payments be applied as according to the events that surround this complaint.

Company public response: Company believes complaint is the result of an isolated error
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 reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MO).
Issue: Problem adding money

Complaint: Amount of {$30.00} transferred from my bank to paypal on  XXXX / XXXX / 17 . Bank approved it and sent the money paypal has yet to issue the funds and tell me nothing can be done about it I have to wait to see what happpens.

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 04/20/2017 about Debt collection (Auto) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect

Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.

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 05-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX account was closed on XXXX/XXXX/XXXX. I was never late. The account was transferred on XXXX/XXXX/XXXX to a unknown company, and is now reporting fause delinquency on XX/XX/XXXX. This is illegal. Im very tired of tying to fix my credit report. I want this account deleted from my credit report completely. It is showing on my Equifax report. XXXX does not own this account. its a junk debt company trying to reage my account to illegal collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.

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 06/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX lower had no right to property. XXXX XXXX of XXXXr was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine

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 04-05-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 I went to use my debit card and it was shut off. I contacted Chase and they told me it was shut off because I was sent a new card in XXXX of this year. I had never received this card, so they said they would send me another card and I should receive it within 5 days. I was told that my old debit card would not be turned back on ; translation - I can not access my money until the card comes. I was able to get the old card turned back on for a few moments in order to empty my account so that I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (FHA mortgage) with Servis One, Inc. (PA).
Issue: Trouble during payment process

Complaint: I was noticed by BSI Finanical in  XXXX , TX that I was late in my mortgage payments in  XXXX   XXXX .  BSI Financial h as informed me that my loan servicing was transferred to them by my mortgage company,  XXXX  in  XXXX   XXXX . I did not receive any mortgage servicing disclosure from  XXXX  informing me of the change and all of my payments was sent to them as instructed since the purchase of my home in  XXXX   XXXX . My payments ( {$1800.00} monthly, and sometimes {$920.00} bi-weekly as part of the payment reduction pla n ) wer e sent from my bank,  XXXX   XXXX   XXXX  and in  XXXX  were being returned to me by the sender,  XXXX . Since I was unaware of the loan servicing changes and my payments were being held and then returned by  XXXX  in  XXXX   XXXX , BSI Finanical has noted my mortgage as late and notified the credit bureau for not receiving my mortgage payments and assessed a late fee. After being notifie d by BSI Finanical i n  XXXX   XXXX  that my payments were late, I contacted my bank to cancel any additional checks that were not cashed by  XXXX  on  XXXX   XXXX ,  XXXX  so that I can submit my payments t o BSI Financial. B SI nor  XXXX  has not sent me any documentation informing me of the changes. I had expressed my concerns with  XXXX  and BSI FInancial.  XXXX  had informed me that an account statement would be sent me because BSI Financial only have my records from the date of transfer  XXXX   XXXX . I had not received any account statement from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX and today, XX/XX/2016, it was brought to my attention that XXXX issues remain on my credit history that should have been removed at least several months ago and as far back as two years or more : XXXX and XXXX. It should be removed from my credit history because it has lowered my credit score tremendously. Why do these credit directories refuse to remove erroneous information from my credit history?

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 04/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Closing/Cancelling account

Complaint: UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Bank of America. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}

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 reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX . this company is shown up on my report with out consent. I have sent a letter on XX/XX/2017 requesting that inquire to be remove from my Equifax . this company is listed as a Miscellaneous Reptg agencies with no number address to be able to request proof of signature  that authorization was given to pull report

Company response to consumer: Closed with explanation