milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and as a result there were multiple accounts opened with Capital One. The accounts were closed with balances. I called Capital One to inform them and they have not removed them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I'm having issues with XXXX simplicity ( citibank ). I paid XXXX dollars on XX/XX/18 because i wanted to lower my balance away from the limit to improve my credit and immediately received an email from XXXX stating " there was a recent review of your account and credit information. As a result, we have revised the credit limit ti {$2500.00} ( please note that it was originally XXXX ). This decision was based on a dilinquent credit obligation either paid or unpaid with this account or another creditor. Your current balance is {$2400.00}. 

I called XXXX on XX/XX/18 to ask them why the lowered my limit the same day that I made a large payment? They read me the above email and stated that was all the information they had. They could not provide me what said delinquent obligation prompted this action and that i should contact XXXX. I asked to speak to a manager ( XXXX employee number XXXX ) and asked again what information prompted this credit reduction as i'm now again at or over my credit limit and was told the same thing. They could not give me any information has to why they reduced my limit and prompted me to call XXXX I have free credit monitoring through the XXXX and there are not delinquent accounts on XXXX. This seems like they are trying to get people to stay at the credit limit. How can a company not have the information that they based a decision on? I asked to speak to XXXX 's manager and he said that wasn't possible ... How can they deny you to speak with a manager 's manager? 

I've included the email attached and my XXXX credit report i just requested today to show there are no delinquent accounts.

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 04/13/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I attempted to make a payment on my XXXX XXXX Gap Visa Card account on XX/XX/XXXX. This payment was returned NSF, despite having funds in my debited account. I was notified today, XX/XX/XXXX, two weeks later, that my account has been closed. 

I have been a Gap Visa customer since XX/XX/XXXX, making it one of my longest-held credit accounts. Such quick closure without notification from the bank will severely harm my credit by reducing the length of my credit history. They made no good faith attempt to work with me as a consumer and behaved in gleeful disregard for my credit health as a longtime customer of theirs. 

Additionally, the representatives I spoke with on the phone were rude and condescending.

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 04-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NV).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Vehicle loan or lease (Loan) with McCullough Payne & Haan, LLC (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I advised the company to stop all calls as I do not know who they are. I have not done business with this company. I do not owe any money to this company. This company can not produce a contract between me and McCullough, Payne and Haan. Y

Company response to consumer: Untimely response
Consumer complaint received 08-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with National Recovery Services LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this is my work number i have asked not to call my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An account from XXXX in.the amount of XXXX was reinserted on my credit report when it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am  XXXX   XXXX   XXXX  and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like to file and official complaint towards Equifax in lieu of the recent personal data leak.Equifax was responsible for personal identiy information due to blatant negligence to protect that information via proper security measures like encryption and etc. For a company with so much power and personal data on all of us, they sure did take it lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (MS).
Issue: Trouble during payment process

Complaint: Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX ,  XXXX   XXXX  removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a  XXXX  party agency showed up on   XXXX   by the name of  Deville Asset Management, but  not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau b ut not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression  XXXX   XXXX   may  have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the   XXXX   inaccuracy dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with TCF NATIONAL BANK (MN).
Issue: Other

Complaint: Fraudulent card situation and bank issuing overdraft in a morally unsound manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Account opening, closing, or management

Complaint: Got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. I was told that Citizens Bank Out Reached to them to make a collection attempt. I called back and they told me that I could settle with a payment of $ XXXX- {$120.00} right then and there so i could open another account with another bank which I thought was weird. Then I tried to call back and no one would answer and I tried three times. He said that he would be there til XXXX, which it says that they are open til XXXX EST. I really do n't want to be scammed so i thought that i would email someone for help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL be removed : XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We are facing foreclosure auction of our home of 26 years on XXXX XXXX, XXXX. Just a few days away. We have hired Attorney XXXX XXXX to file an injunction and a complaint against XXXX XXXX, Ocwen & XXXX XXXX. We have been fighting them since XXXX. We have absolute evidence they have no interest or standing in our mortgage /loan. They are not the original lender. They have filed for an illegal foreclosure XXXX times. They have charged us for illegal forced placed insurance and 13 % interest. Refuse to modify and constantly give us the run around. They have tried to have XXXX auctions regarding our home since XXXX XXXX. All postponed at the very last minute without the injunction being decided. They have a XXXX party trespass onto our property taking photos and trying to look into windows. We live in fear and terror every day. We are afraid to leave our home i fear they will break in. 
The injunction was denied last week. Attorney XXXX states there is nothing he can do to stop the auction, even though we have an active complaint. We may be forced to file ch.XXXX to try to prevent the auction. 
This loan is a high cost predatory loan. We lost a rescission case in XXXX. Had not heard from Ocwen / XXXX for 3 years after that. They filed the order of notice in XXXX of XXXX. We filed our complaint that same month. 
We are beyond stressed not knowing how we will survive. 
The courts are absolutely biased against the homeowner. They do n't want to hear the facts. They just rubberstamp the forclosures. 
We are not trying to get a " free Home ''. We had job loss and illness which caused us to fall behind in payments. Our home is valued at XXXX and the loan was orig. XXXX. 
There is equity. 
Any help would be greatly appreciated to guide us through this nightmare. 
We know we are not alone in this injustice. 
Thank you for any guidance.

Company response to consumer: Closed
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX  XXXX XXXX XXXX card I had was discontinued and transferred to American Express whom I do not wish to do business with. I am told I need to cancel an American Express card account which was opened in my name but I do not believe I should have to cancel an account I never requested. 

I asked XXXX for a copy of my cardholder agreement which gives them the right to transfer my XXXX credit card to American Express without my consent and they would not supply it. 

I believe this is a violation of Fair Credit laws and is no different than XXXX XXXX opening accounts which consumers did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The reason for my complaint is because a several chase credit cards were opened fraudulently in my name. I was a victim of identity theft and never authorized any cards to be opened in my name with chase bank. I do not have the account numbers but i can provide my SS so the accounts may be found XXXX

Company response to consumer: Closed with explanation