milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Credit line increase/decrease

Complaint: I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from {$7200.00} to {$900.00} because of data they had from XXXX. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for credit than I was before. When I called to complain and explain that their decision was based on outdated information, they said I had no other choice than to wait 90 days and request a credit increase. I explained that the decrease should n't have happened in the first place because they were using outdated and inaccurate information to base their decision. It seems as though once they were no longer going to collect interest payments from me, the did n't want my business. Odd timing and poor decision based on inaccurate data. I finally just closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + 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 03/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (VA mortgage) with United Military Mortgage, LLC (TX).
Issue: Closing on a mortgage

Complaint: How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with Stillman Law Office (MA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX representing XXXX XXXX XXXX, Schlee & Stillman LLC, sued me in state court for an alleged credit card account that I have never seen before.
The debt was disputed from the beginning. Neither XXXX XXXX XXXX nor Schlee & Stillman LLC could not validate and verified the debt.
In court they filed an affidavit that was prepared and signed onXX/XX/XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. XXXX XXXX XXXX and XXXX XXXX XXXX paid XXXX XXXX after a Consent Order AA-EC-2015-1 and AA-EC-2015-2 dated XX/XX/XXXX.
According to this Consent Order, XXXX has violated few months later by doing exactly the same thing they promised not to repeat.
The plaintiff has not filed any contract or terms and conditions with the case.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from 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 06-09-2016 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Deposits and withdrawals

Complaint: I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining 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 09-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last 12 years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.

Company response to consumer: Closed
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with American Mediation (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call  American mediation  with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Transaction issue

Complaint: I was late on a payment and could not use my card. I made a payment and still could not use my card. Called customer service and they said I could use it once the payment cleared. That would take 24 hours. I still could n't use my card.

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 02/24/2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I began XXXX XXXX XXXX due to XXXX and I was all alone in Alabama in XXXX Apartments and had no one to help so my children came down from XXXX, GA to move me closer to them. They read my lease and said that I could legally break my lease to due medical illness. I went to the leasing office and spoke with XXXX XXXX ( property manager then ) and explain my situation he told me to bring him a written letter and then I could move. He even came over and completed a walk thru will my children was loading the truck. After two surgeries in XXXX, my eyesight improved a lot and went to try and rent me an apartment and denied because what they put on my credit and it and it shouldn't be. I'm not sure where they got that total amount from because my lease would have been up in four months and my rent was only XXXX a month. However, I owe them nothing because I did what I was told to do.

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 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.

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 09-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: PNC bank came to my place of work and recruited us to open checking accounts and savings account and promised us XXXX will be added to my account after XXXX direct deposits this never happened i have a contract they signed and now they are changing their story and now they have a collections company calling me after all their late fees and lies please help thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: There are several items that are on my credit report due to fraud. 
My social security number was stolen from me to open accounts in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Billing disputes

Complaint: I recently received a letter from Wells Fargo dated XXXX XXXX stating that my account was past due and that my account was being shut down and I need to send them money immediately. I have not used this card in over a year and have not received a bill in that time. This is the first that I heard of a balance or that a payment was past due. 

They certainly have my contact and mailing information, since I receive advertising and other offers from Wells Fargo frequently to entice me to use the card again. At any time they could have sent me a bill, but instead have only contacted me when this balance I was not even aware of is past due. 

Earlier that week I contacted Wells Fargo about a fraud alert email because of an address change I did not make. It was a false alarm ( simply an update from the post office ) but no mention was made of this overdue bill at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to see why my balanced jumped from {$1500.00} to {$2500.00}. The customer service rep advised that my 18 month XXXX  interest was up. I informed him that I was never told that the interest from those 18 months would accrue, or else I would have never signed up for this credit card. After speaking with a supervisor, he said he would remove the {$1000.00} of interest if I paid the total that day. I told him i was driving and once i get home, i will pay it. I arrived home and called in with my credit card information. After a month ( XXXX ) gone by, i received another statement with the {$2500.00} total. I called and asked why my card wasn't charged. They accused me of not calling in. So i asked to speak to a supervisor. The customer service agent advised he would have a supervisor call me as soon as possible. Another month goes by ( XXXX ), and I am informed that my account is in collections ( which has lowered my credit score immensely and now i can apply for a car that i desperately need for work ) and I have accrued two months of late fees on top of it. I know owe hundreds more due to the lack of communication and customer service support. They are trying to continue to scam me so I can continue paying them. They are trapping me into this account. When I called today XX/XX/XXXX, the call went straight to the collections department, which i was not aware it was in collections. XXXX ( customer service agent ) advised that she attempted to transfer my call to a supervisor in customer service and they refuse to take my call, let alone talk with me. She advised that they wont help with anything and will not speak with me. What kind of customer service is that? I would like to see something done immediately. They have literally ruined my credit score ( credit from XXXX to XXXX ) so i am unable to purchase a vehicle for work. Please contact me as soon as you can. Thank you for your time.

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 09-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

Company response to consumer: Closed with non-monetary relief