milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have a checking account with XXXX XXXX XXXX XXXX. Most of the transactions with this bank are done online, that 's the main reason I use it. On XX/XX/XXXX I  needed {$3700.00} from my checking account immediately, I could not wait for the regular process to take place. 

I called their customer service to see what my options were. I was informed that since the daily withdrawal limit was {$1000.00}, my best option was to go to the XXXX XXXX XXXX in XXXX XXXX here in XXXX CA. The person who helped me over the phone told me that once in the cafe, an associate from the bank could call them so they could raise the withdrawal limit while at the branch ; that way I could get my money from their ATM without any issues. 

I drove to the cafe, and XXXX XXXX an ambassador from the cafe ( he works for Capital One ), helped me. He called the bank and did what he was supposed to do, then after confirming my identity they raised the limit to withdrawal my {$3700.00}. While still on hold with the bank, and XXXX next to me at the ATM I went ahead and did the request to withdrawal my {$3700.00}. After a few minutes ( longer than usual for an ATM ), and a lot of noise, the ATM said it could n't give me the money because it did n't have enough money. 

I read the message, and XXXX read the message. I went ahead and try to get my money at the other ATM next to me, to our surprise the ATM said I did n't have enough funds, the money was withdrawn on the previous transaction, even though I did n't get any money from the previos transaction. 

The representative from the bank was still on hold and XXXX explained to her what just had happened. After several minutes she transfer the phone call to a different department, claims department I believe. I spent almost an hour on the phone with this person, and the only solution I was given was to wait up to 10 business days ( until  XX/XX/XXXX!!! ), while they conduct an investigation. 

I was really outraged, I did n't do anything wrong, I did exactly what the bank told me to do. Something that should have take less than five minutes is taking 4 days so far. I still do n't have my {$3700.00}, I reached out to Capital One via XXXX and again I got the same response, 10 business days. After some complaining on XXXX I got the time down to 3 to 5 business days. 

This is unacceptable, that money is mine. How I 'm I suppose to pay my bills, the only reason I drove to that branch was to get my money immediately. What if that money is to pay for a medical bill? Or to pay for my rent? car payment? What would happen if my account was overdrawn for 10 business days, how much would I have to pay in fees too the bank? 

Regardless of the use I give to MY money, it is the year XX/XX/XXXX not XX/XX/XXXX. Why something so simple ca n't be fix by the bank, when there is even a witness from the own bank who saw I was n't given any money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for 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 07/23/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is refusing to send a payoff for my mortgage. I was discharged from chapter XXXX bankruptcy 7 months ago. I am now trying to refinance with another company and have put in 3 requests for payoff online through my portal. When the payoff never came I called and was told that they never received a request and that they would get it to me within 15 days. I have heard that before from then and never received the payoff. Also, per the RESPA rules they have to have it to me within 7 days. On top of that, they are telling me that my loan is in a 120 day review now that I have been discharged from the bankruptcy for 7 months. I am not sure why they are doing this but all the laws relating to RESPA that I can find point to pretty much everything they are doing being illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/XX/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 12/21/2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Credit line increase/decrease

Complaint: Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX ), those accounts have been listed like that on Experian for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX  & XXXX ). Despite my several attempts to correct these issues with Experian, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.

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 10-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Meade & Associates, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.

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 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today. 
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer. 
XXXX Relationship Manager changes. 
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification. 
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector XXXX Resurgence Capital Services XXXX is attempting to collect on a debt that I do not own. They have also sent a letter with a statement that indicates the current account owner XXXX LVNV Funding LLC XXXX will not report the debt to any credit reporting agency. This is a false statement. I learned about this debt as a result of it being reported to a credit reporting agency. Also, the statute of limitations to collect on this debt has expired. This debt was supposedly acquired in 2008. I have not heard from this debt collection agency, or any other company regarding this debt until now. If this debt is valid, I would assume the debt collection would have begun a while ago.

Company response to consumer: Closed with non-monetary relief