milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION ().
Issue: Making/receiving payments, sending money

Complaint: I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.

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 07-01-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: When I first bought my home it was through XXXX, and something happened to where XXXX went bankrupt but they never let me know anything, I had requested documents from them as to the note, the payments and how they were being applied the balance but yet never received anything, and due to all this I too ended up filing bankruptcy and then XXXX bought out XXXX and when I was calling I was told to talk to XXXX, but they too never let me know they had taken over til after the fact, and when XXXX talked to me they stated that they were escrowing the account and putting it at a 3.5 percent, and if I received anything from them it would be for information purposes only and that they were not going to reaffirm the loan so it had been discharged with the bankruptcy, I then asked for the documents that they had received from XXXX they never sent anything to me I was immediately again in the dark about what they were doing, and about all aspects of the loan, and it was questions after questions and left unanswered. And then as I kept calling XXXX it came to where they told me that they were no longer over the loan and that I needed to talk to SPS select portfolio servicing, Inc. @ XXXX XXXX XXXX@XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX - XXXX and here we go again no one told me that they were no longer over the loan and SPS did not contact me either, and here I had no documents, and I explained again the problem to SPS and I again received nothing, they are running with amounts and too have handled the loan at the level of information purposes because of bankrupt, but there has been no transparency other than what they say and that is a problem that has trickled down starting with XXXX who left me hanging when they filed bankruptcy, and here I am in this horrible situation of losing my home, and just like XXXX and then XXXX and now SPS this customer rep XXXX XXXX has advised me not to send in any payments, that finally they are sending some documents, what I gave learned unless if you are in this field or very savvy about what they are doing they take advantage of people, I owe more than my house is worth but still is my home and want to keep it that way. I have been in the XXXX XXXX for over 33 years so where else can I run to, I do not know what is or is n't true with these banks or mortgage companies, what I do know is that this mess started with XXXX and here this giant went bankrupt failing its customers, so what do they expect from the little guy. I need someone who knows about these things to look into this because want to lo my home, it is not my fault what happened to XXXX and this mess that has trickled down, thank you, and feel free to contact me @ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a HELOC that expired on XXXX XXXX of this year. Before that I tried to refinance it, but we did not qualify. Immediately after hearing that, I contacted Bank of America to modify it, and that date was XXXX XXXX. I was told I would be contacted within three to five business days. No one contacted me. I made a few calls and was told this gentlemen was in charge and he would call. He called at the end of the month. I immediately submitted all forms needed and he would then set up appointment times, but would not call for those appointments. He would not call at all or call that day at a completely different time. Apparently he could not get in his head that I am in CA and he is in FL and there is a XXXX hour time difference. Anyway, after all of this I also called his supervisor and left messages ( XXXX ) for her, with no return calls. The last time he was supposed to call me he did not, so I called and got someone else. This was the week of XXXX XXXX I believe. She told me that I was denied the modification because they were looking at the interest only payment and not the new payment which would include the principal ... ..in other words, the payment went up from {$280.00} to now $ XXXX. I am XXXX and live with my boyfriend. I can not afford these payments, and they know this. I have now been told to appeal this decision, after a conversation with a very rude person in that department. This is all so totally unacceptable and I feel it should be reported.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Re : Voluntary Discontinued of Chapter XXXX Bankruptcy FILE # XXXX Docket # XXXX To Whom It May Concern : Fair Credit Reporting Act 1681c relating to bankruptcy dismissal. XXXX Federal Courts of Georgia dismissed this case and does not exist in the eye of the law as it has been adjudicated. Therefore, you have no right to maintain information which the government deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and me an updated copy when this action is completed.

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 11-07-2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I will insert that I have sent to Company.
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX.
I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account.
Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future.
Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX XXXX  Please read about my condition. My quality of life has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this Debt XXXX times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The XXXX times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had XXXX XXXX ( original debtor ) since 2009. I canceled the month-to-month service I had with them. ( I was no longer under contract, it had expired already ). My monthly bill was {$150.00} for cellular service and wireless internet, together. I canceled this XX/XX/2009. I was told when I canceled they would pro-rate that bill. I did not hear from XXXX or receive a final bill from them. Then here it is 8 years later and I am now having to dispute this because XXXX is stating I owe {$700.00}? for what? They canceled my service when I asked them to so its not for service. My phone was already paid for, I bought it outright before going to XXXX. So why cant they tell me what this bill is for? I did speak to a previous collection agency several years ago and I told them this very thing I am telling you and that I owed for the pro-rated XX/XX/XXXX but nothing more. I even offered to pay for the full month at {$150.00} and they refused to accept the payment. I know what I owed and I was willing to pay for the entire month but since they refused the money, I do not owe this debt. Please remove this from my credit report. You have never tried to contact me about this, have never been able to provide any proof ( or an actual bill ), you then refused a payment and those things alone tells me you do n't really want to collect on this, just want to keep me angry by keeping it on my credit report. I want this off my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital One Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I financed my vehicle with XXXX XXXX in XX/XX/XXXX and was to make my first payment XXXX first XXXX. I made this payment then my due date changed to the 15th of every month. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XXXX which was not due yet. I called XXXX and they told me they did not report false information and I need to handle it with Experian myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX XXXX again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.

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 07-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders  with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. <P/>The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. <P/>A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. <P/>They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.

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

Complaint: Due to the recent Equifax Security Breach, I checked to see if I may have been impacted and yes, I may have. I put a 90 day fraud alert on my account to keep it somewhat protected from newly credit applications under my identity.

Company response to consumer: Closed with explanation