milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: not sure why this is attached to my name

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have incorrect information on my credit report. I had a mortgage account in  XXXX  which was foreclosed on in  XXXX  with a final payment made in  XXXX .     Ban k of america h as incorrect information listed. Date of last payment :  XXXX   XXXX   XXXX . This is impossible. Please provide proof of payment with this date.   Date account closed :  XXXX   XXXX   XXXX . This is also incorrect as the account was foreclosed and completely terminanted in  XXXX .     The retroactive date that needs to be used would be in  XXXX . This was when a final/last payment was made into this account. This would be the final date to use moving forward. This would be the date that the roll off of the credit should apply.     Otherwise, please provide proof of payment in  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 11/25/2015 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-09-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Recently, I requested a copy of my LexisNexis Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file,  as one the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is over five years old and should not be reporting on my file at all.      The report shows a  conviction for Failure to Appear f rom    XXXX   XXXX   XXXX  . Th e corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract from th e Secretary of State. Please find that the aforementioned  conviction is not reported my driving abstract as the conviction was   vacated.      Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the l ast five years I respo nded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: IN RESPONSE TO CFPB COMPLAINT : XXXX THIS ACCOUNT STILL REFLECTS ON MY CREDIT REPORT TODAYS DATE:XX/XX/2018 XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX DEPARTMENT DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a setan time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

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 12-09-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A judgement on my credit was satisfied in XXXX. I have faxed the court record proving this to Transunion and XXXX. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.

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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Debt collection (Credit card) with Modlin & Associates, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (VA).
Issue: Struggling to pay mortgage

Complaint: We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My XXXX card had fraudulent charges in XX/XX/XXXX. Citi customer care proactively called me and validated with me. After denying them, they cancelled my card and issued a new card with assurance that the charges will be taken care. I have been talking to citi customer services by calling them several times in XX/XX/XXXXbut they said they are still investigating. After 2months, I get a letter from citi saying the charges were legit and I will have to pay them. I have been calling customer services and talking them thru XXXX but there is not right help to fix this issue. On top of all this, when I went into the details of disputed charges, I see real charges that were disputed are not investigated by citi but other charges which I never disputed. I am also been charged interest for these charges. It has been frustrating for me to deal with this issue. Need some help to resolve this.

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