milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, XXXX, I sent a certified letter XXXX return receipt received XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX & XXXX of Capital One Financial Corp. To date I have not received a response from Capital One. The gist of the letter ( attached ) is that I was instructed to replace the Home Equity Line of Credit ( HELOC ) I had with Capital One as part of refinancing my first mortgage ( formerly with XXXX XXXX ) with them. My original HELCO with Capital One also served as overdraft protection to my checking account at Capital One. A feature I have always maintained was of utmost importance to me. As detailed in the attached letter to XXXX XXXX, after a month of receiving the run around from various departments regarding the overdraft protection status on my HELOC, I was told the bank no longer provides overdraft protection through HELOC! I could initiate transfers to cover any potential overdraft, but it would not happen automatically. Three times, the online system to transfer money from my HELCO to my checking has failed to operate. After speaking to four people in two different departments, Capital One still failed to resolve the issue. I ended up driving to the branch to get it done in person. To date I have been charged {$210.00} in overdraft fees. This is AFTER completing the bank 's own HELOC Overdraft Protection form as part of the application process. In short, the bank told me to change my HELCO for a lower rate and continued overdraft protection, then they turned around and denied me the overdraft protection, claiming that they no longer offered the service effective XXXX. Almost a year after they gave me the forms to apply for the exact service they claim to no longer offer and which I had been using for years prior. 

Finally I am very surprised and disappointed that I never heard from Capital One. I knew the President would n't respond personally and is probably completely unaware of the fact that I sent a letter to his attention in the first place, but the policies, practices and procedures of Capital One throughout this entire process has been anything but customer friendly. I might as well bank at XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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: TransUnion and XXXX are incorrectly reporting a State Tax Lien.

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 02/23/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Deposits and withdrawals

Complaint: I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: Citizens Bank held a Boat mortgage for about 13 years on a 15 year loan. The loan was paid off early, but they ( Citizens Bank ) lost the boat title. Now they want me to have run around after it. Which I did. I asked the banks customers department for my time and expenses. The flatly said no, that the Title was my problem. 
The bank, Citizens Bank, told me the lost my title, and it is my responsibly to go and get it and to pay for it as well. They issued a " Release of Lien, " Instead. My account # is xxxxxxxxxxx, and their phone # is XXXX. 
I was never late in 13 years of a 15 year loan, and they had my boat Title as Collateral all of this time. 

I have since drove around and received my title after sitting in a D. of M. V. office for nearly 2 hours, and paid the {$36.00} for a replacement title. 
I have since the bank to reimburse me {$150.00} for my time and travel, and {$36.00}, for the replaced Title. I think that the {$180.00}, is extremely fair, however this amount will go up as I spend more time on this issue. 

My XXXX regression is ; XXXX XXXX, I need help, as I am on XXXX and ca n't go running abound, especially for their mistake. 

My name is XXXX xxxx, xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxI have the Release of Lien if needed ( a copy, ) as I now have gotten the Title myself. 

The bank in question ; XXXX XXXX XXXX XXXX. XXXX XXXX, RI XXXXThank You, XXXX XXXX ; Citizens Bank.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MI).
Issue: Unexpected or other fees

Complaint: In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. 

It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.

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 02-08-2017 about Mortgage (Conventional fixed mortgage) with FIRST GUARANTY MORTGAGE CORP (MA).
Issue: Credit decision / Underwriting

Complaint: Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.

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 12-01-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (VA mortgage) with LoanCare, LLC (ME).
Issue: Trouble during payment process

Complaint: During the last week in XXXX, I contacted company servicing my mortgage, XXXX of Virginia XXXX, VA, to discuss my payoff payment and upcoming real estate taxes. 
My final mortgage payment was due on XXXX XXXX and my real estate taxes were due on XXXX XXXX. My fear was that by paying off the mortgage, the company would no longer pay escrow items, despite having collected escrow over the past year. My escrow information page on the company 's website showed a projected dispersal in XXXX for the taxes, but I wanted confirmation. The associate confirmed that my real estate taxes would be paid in XXXX. 
On XXXX XXXX, I checked their website and found that my real estate taxes had not been paid in XXXX as both indicated on their website and confirmed by phone. I spoke to a XXXX, XXXX XXXX ID XXXX XXXX who told me that because my loan had been paid off that the company would no longer pay escrow items. I explained that was in conflict with what I had been told the previous week, but he could n't explain it as " everyone '' knew that once a loan was paid off, they essentially stopped servicing it. He said that he would have the XXXX department issue the escrow funds so I could pay my real estate taxes that were due on the XXXX. 
On XXXX XXXX, I checked and my escrow account still had the same funds in it. I called and talked to a different XXXX, XXXX XXXX ID XXXX XXXX who could n't explain either why my taxes were n't paid in XXXX or why my escrow had n't been released as I was told. She said she understood the pending taxes and told me that she would have my escrow released and overnighted to me so that I could have the funds on the XXXX. 
This evening, XXXX XXXX, with no expedited mail received, I checked my online account information again and the escrow funds have not been released. My taxes are now overdue and when I 've called this evening, all XXXX are unavailable. 
I 'm requesting assistance in freeing up my escrow funds to pay my now overdue real estate taxes. A quick internet search shows that others have experienced similar issues with this company paying escrow items. 
Thanks in advance, 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 06-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed information concerning XXXX on my credit report to XXXX, Transunion and XXXX. I received an response from XXXX through this agency case # { XXXX } whom responded that this collection would be removed from my report. I want the XXXX credit bureaus to remove this information 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 non-monetary relief
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: GLBA VIOLATION. PLEASE advise Citi to stop contacting phone number and addresses that they feel are associated with my account. Another Privacy Breach, Citi left a message on a phone number that they thought was my number but belongs to my son. My son and I share the same name. I am so frustrated with the " Fraud '' process that is is suppose to be in place to protect my identity when in reality they are providing information about me to third parties. This is my FINAL warning to Citi to  CEASE sending information to third parties about me. I have provided my DL to validate my identity as requested before ( My DL was attached to my last CFPB complaint. This is turning into harrassment from CITI. On the previous response, it was stated that CITI could not remove the XXXX XXXX address but CITI has sent correspondence to that address. This is a breach of my privacy. As I stated before, if Cit questions my identity, Citi should have never approved me for a credit card. I am paying my account monthly prior to the due date so I do n't see where the issue is. CITI DOES NOT HAVE TO WORRY ABOUT MY BUSINESS. I WILL PAYOFF MY XXXX BALANCE AND NEVER USE CITI AGAIN AND ADVISE EVERYONE THAT I KNOW THAT CITI IS A MAJOR RISK AND THEY CONTINUE TO COMMIT SECURITY BREACHES. I WILL ESCALATE MY ISSUE TO THE HIGHEST COURT.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I sent the form to request my free annual credit report from each of the XXXX bureaus. I used my XXXX number in the place of a social security number. I received a letter from Equifax stating that they needed me to send in an identification form with a Social Security number. I called Equifax and spoke to an agent named XXXX, who told me that I could n't submit a request using my XXXX number. I asked to speak to her supervisor. Her supervisor did not know how to handle the request. They gave me a fax number to send in documents to prove my identity. It is important that I access my credit report because for the past couple years, I have been receiving debt collection letters to my address that are not mine. I believe that I may be the victim of identity theft, which is causing me a lot of stress. I would like to resolve this issue as soon as possible. It should not be so difficult to access my credit report using my XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.

Company response to consumer: Closed with explanation