milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XXXX XXXX XXXX I went up to my local Bank of America in XXXX XXXX, NV. I received a {$3400.00} check as an assistant for a job I applied for. I tell the bank teller I have a check I want to deposit. I also tell them I DO NOT want to withdraw any money from my checking or savings account. I can wait, just this check specifically once it 's verified and becomes available. I then proceed to ask the teller how long does it usually take. He responds sometimes it depends, sometimes a few hours or a few days. Towards the end of the transaction the bank teller tells me everything is all good I can actually withdraw that check right now. I proceed to do so and was under the impression that the check was good and I was performing my job. It turns out the job was a scam and they used me to buy gift cards and send to their email. 

I saw an alert on XXXX XXXX XXXX that my account balance was below {$25.00}. To find out that check I withdrew on Saturday was not good in fact. I got the bank of america to retain my account back for a few days and they proceeded to remove the {$3400.00} from my account again on XXXX XXXX. XXXX. I spoke to the fraud/claims dpmt., banker at my local BOA and was denied any claims for my {$3400.00} loss. 

My complaint is that I was misinformed greatly about the check being approved. Which led to this {$3400.00} loss. I would not have proceeded with a {$3400.00} withdrawal if it was revealed accurately that the check was indeed bad. This misfortune could have been prevented if Bank of America did their job correctly and only gave me access once that check cleared like I requested.

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 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Capital One Bank is operating a fake dispute resolution department where they only pretend to investigate credit card fraud on their customers and arbitrarily take the side of the fraud perpetrators apparently in order to save costs for themselves that would be required to fully investigate the fraud. 

In XXXX, 2017, a moving company in XXXX called XXXX XXXX XXXX XXXX fraudulent overcharged me by use of my Capital One Spark Business Visa for approximately {$2800.00}, and also damaged thousands of dollars of my property in the move. 

I reported this fraud to Capital One, but Capital One summarily and arbitrarily sided with XXXX XXXX XXXX XXXX and failed and refused to fully investigate the facts of the fraud. Instead, Capital One sent form letters to me about the dispute, which letters when read carefully demonstrate that Capital One did NOT fully investigate the fraud. 

Capital One charged my account for the fraudulent amount and then charged me interest and late fees and has made derogatory reports about me to all of the credit reporting agencies. 

If I had the resources to do so, I would bring a federal class action lawsuit against Capital One, but I am retired and am not in a position to do that. Our government should put a stop to this massive fraud by Capital One Bank on all of their customers throughout the country. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is my 3rd complaint with CFPB about this company. <P/>They have agreed to remove these accounts from my credit files. <P/>So far they have indeed removed them from XXXX and XXXX but not XXXX. <P/>I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
<P/>I have not received anything from this company with my signature about this debt. <P/>I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. <P/>All letters with a response from Commonwealth are on file at the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: For the period of  XXXX  and  XXXX  if this year my bank is not updating my  XXXX  app on deposits and transactions I have already authorized this app to have access through my bank

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 08/17/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Transaction issue

Complaint: I used my Citi XXXX to order XXXX XXXX XXXX tickets from XXXX to XXXX XXXX ( {$190.00} each ) and XXXX tickets from XXXX to XXXX ( {$290.00} each ) on XXXX 2016. A few days later, after logging to my Citi online account management and seeing transactions with descriptions of " XXXX '' and " XXXX '', I mistakenly thought that they were fraud charges. I called Citi 's customer service XXXX XXXX XXXX, and asked to dispute these charges. 

During the same phone conversation, I realized that those were the transactions for my XXXX XXXX purchase, so I told the Citi representative to stop the dispute. The Citi representative said " Ok, although I had requested the disputes, I will reverse the disputes ''. Over the phone, the Citi representative said that he has completed the procedures to reverse the disputes and told me that everything has been taken care of. 

After a few days, I logged in to my Citi online account again to confirm the reversal of the disputes, and saw the XXXX original transactions for the airline ticket purchases, the XXXX disputes to dispute those charges, and the XXXX reversals for those disputes. All of these transactions ( XXXX line items ) were dated XXXX XXXX, 2016. 

On XXXX XXXX, we flew to XXXX from XXXX without any issues. However, on XXXX XXXX, when we arrived at XXXX airport, we were told by the airport staff that we did n't have any tickets to fly back to XXXX. So we called XXXX XXXX and they told us that Citi had canceled and refunded those XXXX airline tickets from XXXX to XXXX. Therefore, we had no choice but to purchase XXXX new tickets for total of {$1200.00}. 

When we came back home, we called Citi 's customer service ( XXXX ) numerous times, and every time, they tried to deny any wrongdoing. They claimed that it was XXXX XXXX who made the mistake. We called XXXX XXXX several times, and they told us that Citi requested cancellation of the XXXX tickets and the refund. They showed us the online record of the ticket refund ( however, the refund has never shown on my credit account ). 

In my last call to Citi 's customer service, they firmly told me that they have done nothing wrong and they will not honor my request to refund my original ticket purchasing cost ( {$580.00} ) and will not pay the extra cost occurred for our flights from XXXX to XXXX, which is {$670.00}. 

During my calls to Citi and XXXX XXXX, it is clear to me that Citi did request disputes on all XXXX tickets but only successfully reversed XXXX of the XXXX disputes. Therefore, it is 100 % of their mistake, and they should be responsible for all the consequences. However, Citi continues to deny any wrong doing and would not refund my original ticket purchasing cost ( {$580.00} ) nor pay the extra cost ( {$670.00} ) incurred with our new flights from XXXX to 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 monetary relief
Consumer complaint received 04/21/2017 about Mortgage (FHA mortgage) with McCalla Raymer Leibert Pierce, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was behind on my mortgage and called the mortgage company to make a payment on  X/XX/2017   . I was told at that point that I could not make a payment with them, but I needed to contact  XXXX ,  XXXX ,  XXXX ,  XXXX  regarding a reinstatement quote. I immediately called them and was told that I needed to send in writing that I was requesting a quote. I sent them an email on the same day  X/XX/2017   . I received an email back from them the same day stating that they could not find my account. I never heard back from them again until  X/X/17    when I was served with a summons for foreclosure. Again, I contacted the mortgage company and  XXXX  's office regarding the payments that needed to be made. I was told again to send an email requesting a reinstatement quote ( as it had to be in writing ). I sent the email on  X/X/17   , this time with no response. I followed up with the mortgage company about a week later, who stated that the lawyers office forwarded them the quote email and they replied back the same day with the total amount. I called  XXXX  's office on  two  separate occasions having to leave a message both times with no contact back. I finally sent my  3rd  reinstatement quote request on  X/XX/17    by email again. This time I received an email by the end of the day, with all fees and costs quoted, but with an deadline to pay by  X/XX/17   . They gave me a 4 day deadline to pay close to {$10000.00}, and this is AFTER I was already told twice by their company that I would have 30 days to pay reinstatement from the date that the quote was given to me. I feel that if  XXXX  's office has responded when I first sent the email back in  XXXX , or even the second email the beginning of  XXXX  there would be more time to resolve this issue as supposed to 3 days before I am supposed to respond to a foreclosure summons. I also feel that 4 days is an unreasonable amount of time to try to pay back fees, especially when I was already told twice that I would have 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company states I owe XXXX {$170.00} which is due in full. I have never received a bill for this amount, an accounting of this amount or anything from XXXX whatsoever that says I owe them this sum of money, in fact I currently have service with them now and owe them nothing. In fact, I have a credit of XXXX. This collection is also time barred in the state of Pennsylvania ( 42 Pa. C.S. 5525 ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I wrote diversified consultants asking for proof of a contact signed or anything with my signature agreeing gon na be a contract with XXXX they have been reporting false information on my report never have I had XXXX on XX/XX/XXXX I received a package of bills from diversified showing XXXX bills with my name but not my address or phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to TransUnion in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XX/XX/XXXXthat they sent a letter to Trans Union and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter

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 05-06-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.

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 10-05-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.

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 06-11-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I just read the press release and if it pertains to me, I 'm upset that I was never told about income aligned repayments as I struggled to make payments with a minimal income.

Company response to consumer: Closed with explanation