milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Capital One has continually tried to keep extorting me financially. In their recent discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} in XX/XX/XXXX and that at the time of the error my account should have been reinstated and monthly billing statements should have commenced. 

However, instead of reinstating my account for a monthly billing statement to be sent to me monthly, they again falsely claim that they never received payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 ( for the record, XX/XX/XXXX has been paid too ) which are all false and fraudulent. Then, they have asked me to pay them {$1200.00} from know where. Plus, tag on late fees, and something else called " Other fees '' ( XXXX idea what " Other fees '' mean. And, it should n't not be added to me ) As prove, I have attached prove of checks paid, received and cashed by Capital One for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 The same months they claim they never received payment. 

Hence, I ask that Capital One adhere to they following : Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 and send prove of credit applied to the account. 

I strongly believe that this banks actions are intentional. No bank in the world can make this much mistakes on XXXX account unless its intentional. Therefore, the bank can not claim that it was another unintended mistake. Either way, if the bank has this many incompetent people working for them, then it 's worth the XXXX taking a closer look at their practices. I am pleading with the XXXX to really zoom in on this banks activity. My case might and will not be the only case with such challenges. 
Please find attached, prove of payments to disprove their claim of none payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit card had a fraudulent charge posted to it and it took a few months for the credit card company to investigate and confirm that the charge was in fact not mine. I have not been able to get a straight answer from them as to whether or not this statement of fraud has been reported to the major credit bureaus. I am now looking to purchase a condo and just want to make sure that this is cleared up and is not showing that I have defaulted on payments when the charges were not mine and they took an extended time to investigate and told me it would be taken care of. I received a collections letter from a collections agency in attempt to have me pay the fraudulent charge. After initiating a fraud investigation, I then received another collections letter for the interest that was charged on the fraudulent charge that I had not paid ( because the interest was from the incorrectly posted charge ). The credit card agency my credit card is through is XXXX via XXXX XXXX XXXX under license from XXXX XXXX XXXX XXXX. The phone number for cardmember service is XXXX. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!

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 06/27/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (WA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks 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 09-01-2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process. 
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with PMMC and Associates, LLC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 signed up with   XXXX   XXXX    XXXX / XXXX /  XXXX   in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was :  XXXX  FEDERALCOURT - it was dated for  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  About a week later My inquiry to the  U. S. Bankruptcy Courts  confirmed   XXXX   XXXX   XXXX   has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by  XXXX   XXXX  sources unawares to the consumer, and in most cases, incorrectly.

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 01/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under  the Fair Credit Reporting Act,  15 U.S.C. 1681g I have the right to demand that you disclose to me all of the docume nts that you have recorded and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parties you  are damaging my reputation and credit worthiness.Under the FCRA  15 U.S.C. 1681i, all unv erified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 10/26/2016 about Credit card () with KEYCORP (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Caller asked for a payment for a card I did n't open. I called my attorney and asked if I had this card ( he did a debt consolidation ) which he said no. I have the following info : Rep or caller name : XXXX XXXX XXXX XXXX XXXX XXXX Amount due {$3000.00} Card opened : XXXX XXXX XXXX Last Pmt : XXXX XXXX XXXX Card number XXXX I wrote the FTC who advised they do n't handle businesses. ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Performance Settlement, LLC (CA).
Issue: Fraud or scam

Complaint: I am a licensed attorney in the state of California. I have always paid my law student loans on time. I received robocalls that left voicemails on my personal cell ( my cell XXXX ) : 1. ) Fri XX/XX/XXXX at XXXX PT from XXXX, and 2. ) Wed XX/XX/XXXX at XXXX PT from XXXX. 

Both voicemails failed to identify the company name ( red flag ), but both left the same return phone number : XXXX. 

I called, today Wed XX/XX/XXXX at XXXX PT, and I spoke with " XXXX. '' I asked him what company he was with. He mumbled " Performance [ inaudible ] LLC. '' When I asked follow-up clarifying questions, it was abundantly clear that he did not want to disclose the name of the company or allow me to get clarity ( another red flag ). I surmised that the company was based in California because of the XXXX area code. I XX/XX/XXXX " performance LLC student loan '' and found their website : http : //www.performanceslc.com/. He hung up after 2 minutes, 47 seconds. 

I called a second time at XXXX and spoke with a woman. This time I requested that my phone number be removed. She said that they would do so. But there is no way they could have because they did n't even have my first name, and I called from my office line -- not my personal cell. She hung up after 33 seconds. 

I want them to remove my phone number, which they should n't even have because my phone number is on the FCC Do Not Call registry. I find their business practices underhanded and lacking in transparency. For that reason alone I would avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Consumer Loan (Title loan) with CURO Intermediate Holdings (TX).
Issue: Received a loan I didn't apply for

Complaint: Speedy Cash has an entry on my credit report as applying for a title loan. I have never applied for a personal title loan from this company. This error is causing problems with my credit report.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with WELLS FARGO & COMPANY (IA).
Issue: Cash advance fee

Complaint: Disputed both online and XXXX number but both paths ran into errors on site and representative unable to process dispute. Online dispute stopped at step 1 with error a support evidenced attached. Representative attempted to defer and re-direct to a new department. That department was XXXX. Requested an escalation but XXXX XXXX only was listening in the background and did not announce herself. Stayed on hold for 1/2 hour and was finally transferred from XXXX to Supervisor XXXX .also XXXX deferred back to XXXX to escalate and stayed on hold for 50 minutes on hold and still no escalation. Finally a very rude XXXX from Customer Service and Office of the Executive kept prying into reason for transaction and only wanted to ask the nature of purchases. I explained a similar transaction from same vendor on XXXX/XXXX/16 and gave concrete example of no fee charged but XXXX could not provide an explanation. Requesting full refund of and and fees charged by Wells Fargo on this account. Internal case # with Wells Fargo is XXXX but XXXX ended recorded call with " we are not reversing any fees. '' XXXX essentially stated the they would do NO research and had already judgement on a flawed service where company charges arbitrary fees on unsuspecting customers. 

Next steps

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion, XXXX and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX Transunion, XXXX  and XXXX  is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, XXXX  and Transunion. 

I am requesting that Transunion, XXXX and XXXX  to CEASE and DESIST their negative reporting of XXXX XXXX account.

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 10/28/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Company response to consumer: Closed with explanation