milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.

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 07-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Trouble during payment process

Complaint: Nationstar mortgage began servicing my loan in 2013 and they tried to escrow my taxes even though I was not - or ever - late on them. I sent them proof of payment of my 2013 taxes but they have persisted trying to pay my taxes with the county every year since. The county I reside in sends their money back. That is, until this year when Nationstar proceeded to pay my taxes early, forcing the county to send my payment back. The problem is that I was in bankruptcy at the time and received no notice of this escrow. So, I kept paying the same mortgage amount every month - on time, as always - and now Nationstar has been applying those payments to a shortage account and says I owe them thousands of dollars to bring the account current. I have tried to pay them back this years property taxes on two different occasions but they returned the payment. They seem insistent on escrowing taxes on this account and I do not want that. I have never been late on them so they have no grounds for this. They will not entertain reversing the escrow until I bring my account " current '' for which it already is - I have been paying the monthly mortgage, although they did send one payment back for some reason. This is very egregious behavior and they do n't seem to want to resolve this. I need help intermediating with them and hoping CFPB can provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Unexpected or other fees

Complaint: Received a letter from Bank of America dated XX/XX/XXXX on XX/XX/XXXX. Case Number XXXX. Letter stated, to further assist you to resolve this matter, please call us at the number listed below and provide us your case number XXXX. Called Bank of America on XX/XX/XXXX at XXXX XXXX  and talked to XXXX. She kept asking me to hold and after holding for 5 minutes I hung up. Called again on XX/XX/XXXX at XXXX XXXX  and talked to XXXX in CA. Told her I don't receive text messages and did not know where my credit card was and did not know what she was talking about when she asked me for a line ID. Asked to talk to a supervisor. At XXXX XXXX XXXX told me a supervisor would call me back in 5 minutes and she promised me the supervisor would call me back by XXXX XXXX. Did not receive a call back from the supervisor. 
On XX/XX/XXXX at XXXX XXXX called XXXX in Texas. Again had a problem with text and did not have the 4 digit on the back of my card. Again I asked to talk to a supervisor. After being on hold for 15 minutes I was return back to the phone queue and talked to XXXX in Arkansas. Asked her if she was a supervisor and she answered NO. WHY did XXXX in Texas put me back in the phone queue and not transfer me to a supervisor. XXXX in Arkansas asked me some questions and got me verified. She looked at my case and asked how she could help me. I informed her I was following the directions in the letter and called Bank of America at XXXX. She had no clue what to tell me and she was wondering why Bank of America charged me {$.00}. I informed her they did not charge me {$.00} and that they removed {$.00} from my account. She than informed me that she could not access the information and she wanted to transfer me to another department. I informed her I had spent the last hour on the phone with Bank of America and was not spending any more of my time getting the run around. WHY DID YOU WANT ME TO CALL YOU?? WHAT DO YOU WANT??????

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 monetary relief
Consumer complaint received 10/17/2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I have been a member of XXXX XXXX XXXX in XXXX, TX since XX/XX/XXXX. I have had my CD 's and XXXX accounts with them since that time as well as checking and savings accounts. As of this year, I have been requesting reports from BBVA since my inception of working with them as I feel that money has been taken from my accounts at one time or another. My son has also requested reports from the investment side as well, so that we can follow the paper trail and do research on our own to see if and when my accounts with BBVA have been compromised by someone at the bank. In XX/XX/XXXX, I requested information from one of the agents and was told that she was no longer employed with the bank. We have repeatedly asked for our reports from bank statements, statements on my investments, etc, but they do not respond to my requests. 

They would lure me into internal accounts that benefited BBVA on interest rates and not my own. When my CD 's would mature, they would place the money in an " Internal '' account until they moved it somewhere else. They also tried to convince me to place my money in accounts that did not benefit me at all. We have been asking for all reports that show all transactions on all accounts so that we can cross-reference the trail of money coming in and going out. We have not been able to get these reports from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by XXXX XXXX from Hillcrest, Davidson, & Associates from ph.XXXX. He asked if I knew XXXX XXXX ( my Mother ). I told him, yes she is my Mother. He stated I need to get in touch with her about a debt owed by her and XXXX XXXX XXXX. I told him that I was n't in my office right now and asked if he could call me back with his number and I would give it to her and tell her he called. I do not give out people 's number over the phone. XXXX called me back and gave me his office number and his cell to give to my Mother. I called my Mother when I got off work and advised her of this company and to call XXXX back. Apparently my Mother did not call back and I have received at least 10 calls since this time and I have been told that they will not stop until I give them my Mother 's phone number. I told them I am not the person you are trying to contact. Please stop calling me on many of occasions and they have said no. They will continue to call me until I give them what they want. XXXX has stated if I do n't give them what he wants, he will pass my number out to every agent he has and they will all continue to call me. I have written down every call and a brief narrative on each call. I just want this to stop. Apparently they do n't understand this is not my issue. Today I was told we will go to the next level. Sounds like a threat to me. I can get my cell phone records if needed.

Company response to consumer: Closed
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Prosper Marketplace, Inc. (FL).
Issue: Problem with customer service

Complaint: This complaint is on behalf of my partner -- - as he does n't speak English. On   XXXX   XXXX   2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday,  XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual (   XXXX   ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday,  XX/XX/XXXX  he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual (  XXXX  ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a   XXXX   Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak   XXXX   or they do not hire Bilinguals/ XXXX  at all. I find this extremely worrisome and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with U.S. BANCORP (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.

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 02/16/2017 about Credit card () with STATE FARM BANK, FSB (PA).
Issue: Closing/Cancelling account

Complaint: I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently pulled a credit report and saw that XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request Equifax and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against CITIZENS BANK. INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Debt collection (Credit card debt) with Medical Data Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to Experian, XXXX and 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 non-monetary relief
Consumer complaint received 12/22/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received a " notice of motion for Judgement upon default of stipulation of settlement '' in the mail from Lyons, Doughty and Veldhuis, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX XXXX. I did not pay as agreed but did call and spoke to XXXX @ XXXX and asked if I could set up a new payment arrangement and that I had just gotten a part-time job. I asked that if I agreed to the new payment arrangement would this judgement still go into affect, she said " no '' it would not go into affect as long as I started to pay as agreed in the new arrangement. I also asked if I needed to respond to the civil action, she told me " no '' and that by talking to her, this was putting a halt on the action from proceeding. I trusted and believed her because she works for a law firm and did not think she would give me false information. When the new coupon book came in the mail to me on XXXX XXXX, 2017, I mailed my personal check to them and they received my first payment in XXXX 2017 as agreed but still put the judgement through. How is this legal? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS UNLIMITED OF TEXAS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to a dentist after a accident for a estimate to have my front teeth replaced that were missing because of the accident. They realized it was a accident and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a bridge from teeth missing in a accident. A month later they billed me for xrays. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )

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