milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted XXXX XXXX XXXX and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from Capital One, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (AZ).
Issue: Trouble during payment process

Complaint: My mom passed away XX/XX/2017. And willed the home to my XXXX niece and nephew and made me executor of the estate. Prior to my mom 's death we quit claimed the home so it was in my niece and nephew 's name. The mortgage company now is giving us the major run around and not allowing us to transfer the mortgage over into my niece and nephews names and pretending both my parents are still alive. We have sent both death certificates and they acknowledge the got both death certificates. Along with the death certificates I sent the quit claim and a notarized will claiming me as executor and that the house is to be willed to my niece and nephew. And all this was sent certified mail and the U.S. Post office shows the entire package was delivered. 

So they are intentionally now are threatening foreclosure. My mom was my niece and nephews PAYEE for thier SSI and social security held back atleast three months of payments after my mom passed to find them a new payee. So there was a delay in payments but it was because of the Social Security Administration not by us. But either the way the mortgage bank is going to proceed with foreclosure and will not communicate anything about the mortgage because they are claiming my parents are still alive. This is very illegal what they are trying to pull. And we can not afford a attorney. We have a very limited income as I am a XXXX veteran. Please help us.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: With the XXXX leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with XXXX and have to wait an unspecified amount of time for an email to come from XXXX to finish the process with them. ) Went to Transunions site from a search engine, ( Security Freeze - Transunion ). The link ( https : //freeze.transunion.com/XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products TrueIdentity and with a bunch of caveats, works. ( https : //www.transunion.comXXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX 2017, the credit bureau Equifax revealed that hackers had broken into its coputer systems and stolen the personal details of 140 million Americans with credit history. According to their web site, XXXX, my private personal information was stolen during this event.
Due to the sensitive nature of the information Equifax collects as part of doing business, I believe that Equifax was grossly negligent in designing its computer systems in such a way that robust protections for that sensitive information were not in place. Their conduct is unacceptable by any standard. 

Furthermore, Equifax has entirely failed to compensate me for the risk that I am now exposed to. For the rest of my life, I will have to carefully monitor my credit and pay for tools like credit freezes in order to reduce my risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion customer service is useless - could not get a human on the call. 
Based on XXXX XXXX - the following Creditor was paid in full close to 1 year ago. 
TransUnion is still reflecting this on my credit report. My new employer will be doing a background check and I need this fixed ASAP! 
Dispute Account : XXXX {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MP).
Issue: Credit decision / Underwriting

Complaint: XX/XX/XXXX I applied to Bank of America for refinancing of home due to scamming by current mortgage holder.  XX/XX/XXXX house was appraised; appraised value approximately $40,000 less than comparables.  Made written complaint to BOA and multiple phone 
calls.  Only responses came from local mortgage loan officer who had to get update from someone else.  XXXX day he was not there and was told previous Thursday was his last day on job.  Since, received XXXX return phone calls but no others although I tried to get updates.  I was told to NOT pay previous mortgage in XX/XX/XXXX. but in XX/XX/XXXX. paid because I was three months overdue.  Still no response from BOA as to current status of initial application.  In XX/XX/XXXX. was finally told application was cancelled because of concern over appraisal.  Offered to reapply which I accepted.  Finally closed in mid-XX/XX/XXXX.  Before re-fi- application had HELOC which was rolled into re-fi amount.  After closing in XX/XX/XXXX. I received appraisal "drive-by" update upholding original appraisal but limited MLS inquiry to houses sold to max of $100.000 since date of original appraisal.  Three weeks after original appraisal, house XXXX with initial identical floor sold for $40,000 more than the appraisal of my house.  As after initial appraisal I made complaint to XXXX which denied any action.  Soon after closing on re-fi
 BOA re-applied for HELOC and was denied for # of delinquent accounts, proportion of balance to limit on revolving accts, too many inquiries in last 12 months, and insufficient length of revolving credit history.  Report dated XX/XX/XXXX for XXXX credit agencies shows
XXXX, XXXX, XXXX but another document shows XXXX for credit score.  Current report shows XXXX acct--XXXX of which have current activity.  Others have been paid off.  No. of  inquiries were elevated due primarily to activity related to re-fi and HELOC activity and  
one emergency home repair.  History reported goes back as far as XX/XX/XXXX.  I don't know where they came up with their conclusions.  I am satisfied with the ultimate re-financing but not with the hassles I had to go through to get to that point which had a deleterious effect on my health during this time.  I had to talk to too many different people to find out what was going on only to get no response.  Then to get this fabricated denial of my HELOC application was a "low blow."  I think it all revolves around the falsified appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Unexpected or other fees

Complaint: I received an electronic transaction for the amount of {$200.00} yesterday XXXX/XXXX/XXXX, at XXXX pm. I called the costumer service number for chase bank at XXXX, making sure that the transaction was successful and was told 'yes '. I called to make sure because I knew that had I an automatic payment for a credit card. Now the bank says that the money was not available and they charge me an insufficient fee of {$34.00}. They do n't want to refund me that money after a bank representative said that the funds were available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in

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 08-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing this statement today to complain of the poor service I re ceived from ProCollect  on several occasions. Today I called to speak with someone regarding my dispute and was directed to a  XXXX   XXXX   XXXX .  XXXX   XXXX  is everything but professional, being an employee includes being attentive to the customer issues and acknowledging them, this employee does otherwise.  XXXX   XXXX  is the most unprofessional employee that I have ever came by. Being belligerent for an unknown cause and not letting me state my reason for my call without getting interrupted. To my knowledge  XXXX   XXXX  is t he manager of her department ( dispute department ), to think a manager who is supposed to be someone that sets example in the work place hangs up in my face and shifts the blame on me, the customer, for her disgusting behavior is absurd! I will be sending in more letters and possibly taking this compan y to small claims court if there is no cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Aspen Yo LLC (IL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX failed to follow the provisions of Regulation X of RESPA. They never provided XXXX XXXX with the Post Foreclosure Referral Notice required by 12 CFR 1024.39 ( b ), they never made the live contact with XXXX XXXX required by 12 CFR 1024.39 ( a ), and they " dual tracked  '' XXXX XXXX ' loan by simultaneously advancing foreclosure while he was in review for loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase will not allow me to withdraw my money. 

This is a scam company that wont allow a bank account to be set up therefore unable to withdraw!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: i feel capital one is the best bank ever so i want to give this feedback sent letter to CEO I have been on both my cards a very loyal customer and i also have had a very rough last few years including but not limited to high medical bills. etc i asked for a loyalty XXXX dollar credit on XXXX card and was told there are notes not to give it. while i understand your side please know it makes me feel uneasy when notes are put on my account. please take them off. i will use my car minimally now as i feel uneasy yet acknolwedge the help in the past. please know i have been as a result a very loyal customer. Please take notes off. it is a deal breaker for me. XXXX dollars XXXX more time esp with the new XXXX account i opened would have been a nice gesture. I have XXXX XXXX in medical debt for my child. Still a good bank. no notes please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2016 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I responded to an offer for a credit card through Capital One, somehow they used my wife 's Soc Sec number instead of mine, the issue was that when I reported it, they suspended the card due to fraud.To resolve it, all I needed to upload a few documents documents to their site to remove the restriction, I had no problem with that and complied on or around XXXX XXXX, 2015. I have called XXXX times spending over an hour to try to resolve the issue and was promised issue would be resolved within a couple of days. I really have no use for the card and have a XXXX balance. My real complaint is that in order to cancel the card, the suspension needs to be removed, all I have to do is call them again and spend another hour to see if they can remove the suspension. I will probably do that, but I feel that this type of service needs to be reported. I still have not been told how my wife 's social security appears on the account, instead of mine. I can understand putting a hold while it gets resolved but I ca n't stand the type of service that keeps telling you to call a specialist who is on XXXX/XXXX, spend an hour on the phone with that person, and getting nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (FHA mortgage) with Cobalt Mortgage (WA).
Issue: Application, originator, mortgage broker

Complaint: I applied for an FHA Loan through XXXX XXXX a licensed mortgage professional in Washington state with Cobalt Mortgage. He kept on sending me emails asking me the same questions over and over again. He kept asking me if I wanted an FHA loan over and over again. Finally, after two months, he told me that he cancelled the application that I had completed without my knowledge or consent. He told me that it was the law and that he had to cancel my application. When I wrote an email and asked him which law he was referring to, he could n't tell me what law it was. I think he was just making it all up. He should not be lying to his clients. People trust him to handle the applications completed on his website. He should not be leading people to believe something when it 's not true.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband and I both have student loans with Navient. They will not combine our loans into XXXX - but yet they are using our joint income to make us make large payments on single loans. I have been trying for over a year to get this either combined or our income separated, but they are refusing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Struggling to pay your loan

Complaint: On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.

Company response to consumer: Closed with explanation