milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: To Who It May Concern, On Wednesday XX/XX/XXXX  a fraudulent transaction attempted to post to my bank account with Capital One 360. That transaction was for {$3000.00} made by   XXXX   XXXX   ; that transaction was also rejected due to non-sufficient funds. On Wednesday  XX/XX/XXXX , a hold was placed on my account for the {$3000.00} which caused my account to go into negative status ( $ -1,774.90 ). I have spoken with Capital One 360 about this and they are telling me that nothing can be done because the transaction has not posted it is just being held incase   XXXX   XXXX   attempts to take the funds again. I have spoken with four members of their management department with no help. I have also contacted the Federal Reserve Bank ACH Department. They advised me to this website to submit a complaint.
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Due to this fraudulent transaction my family now has to go without food and utilities because my payment to my utilities was rejected because of this hold on my account. Capital One is advising me that the hold will come off of my account on XX/XX/XXXX  if   XXXX   XXXX   does not attempt to debit the funds again.
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So now my family has to wait until XX/XX/XXXX and hope they do not try and take the funds again. Capital One is saying that this is out of their hands and that there is nothing they can do about it.
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I switched from a small town bank to Capital One for better security. I am not receiving what I expected and definitely do not recommend Capital One 360 to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Medical) with FMS Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with Universal Credit Services, Inc (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from the same company but using different numbers. This has been going on for over a year or more. Many times 2 or more times a day. 

Universal Credit Services I have put a couple months of calls. I have tried to get copies of Cell Service bill from XXXX XXXX XXXX but they say only with a subpoena XX/XX/XXXX - -XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX 3 times on this day with this number, XXXX XX/XX/XXXX - XXXX 2 times this day with this number, XXXX 2times, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX, XXXX 3 times this day with this number XX/XX/XXXX -XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - -XXXX, XXXX, XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX 2 times this day with this number XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016 XXXX at a Citi customer service center informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, and it is unreasonable to expect customers to keep old advertisements for over 6 months. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 




I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Sincerely, 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 non-monetary relief
Consumer complaint received 04/29/2017 about Checking or savings account (CD (Certificate of Deposit)) with DISCOVER BANK (WI).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (ME).
Issue: Settlement process and costs

Complaint: I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}.

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts. 
In XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining more than a 2.1 loan to value. 
I completely paid off this BOA account, wanted to retain this account to use, when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
In XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, my credit was good enough to have qualified for an FHA loan. 
Directly after pay off, in XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair 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 explanation
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling me XXXX times a day 7 days a week. Even after speaking to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with BROKER SOLUTIONS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: I began the mortgage process with  XXXX   XXXX  for purposes of obtaining a HARP loan. When I received the paperwork after faxing all the required information and after they pulled my credit record.   there was NO Federal rate lock form or any figures regarding my guarantees on being in the HARP program or costs nothing. He apparently, intended on trying to pull the wool over my eyes and put me into some other type or mortgage. When I requested he give me something in writing saying this is what he was using my information for he never responded. When I requested the proper paperwork after I busted him out he never responded.   Here is his information :  XXXX   XXXX   Senior Mortgage Professional   Presidents Club  NMLS ID #  XXXX  Description : Description   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  CA  XXXX  Toll  XXXX  :  XXXX   XXXX  x  XXXX  Direct :  XXXX   XXXX  Cell :  XXXX   XXXX   XXXX  Fax :  XXXX   XXXX  Email :  XXXX  XXXX  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 05-02-2017 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: Public record information inaccurate

Complaint: In  XXXX  of   XXXX  , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  XXXX  marked them as 30 days late because their processing was a few days after the end of the month.      XXXX  has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to  XXXX .   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the   three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.
My daughter 's medical issue  s and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  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 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX Bank of America took {$100.00} from my credit line and put it on my debit card line. After this they charged me a {$12.00} overdraft fee. 

Considering I look at my bank account every hour, I knew that my account had not dropped in the negative on XXXX/XXXX/XXXX. If one were to look at the statement, they would see this ( attached ). 

In addition to this, I never received an overdraft notice. If one were to look at my inbox, snapshot, i was notified of my " overdraft '' on XXXX/XXXX/XXXX at XXXX. In addition to me never overdrafting, this is a deceptive practice as it 's not done in a timely manner.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with Meridian Financial Solutions Inc (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Repeatedly called my elderly parents, employer and me saying they were going to legally serve me but refused to give out any information when I call to ask to stop they hang up on me are menacing, mean and make false statements. 

Number they left is ( XXXX ) XXXX

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

Complaint: Learned about Equifax security breach through social media. Upon checking utilizing Equifax web tool to see if I was affected, was told that I was affected. News site XXXX ( XXXX XXXX XXXX ) states that my name, social security number, birth date, and addresses were exposed to criminals, information that is unique and unchangeable and thus may be used to exploit me for the indefinite future ( XXXX XXXX XXXX ). Had to spend my limited free time signing up for a fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDLAND FUNDING LLC does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.

Company response to consumer: Closed with explanation