milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have not been able to log on and manage my finances since XXXX XXXX. 
I called Capital One and she she told me it was my browser. 
But i tried everything and its still not working. 
On XXXX XXXX, I called and spoke to a Capital One supervisor. She claimed that their back office somehow dropped my user name and will work on fixing it within 10 business days. 
On XXXX XXXX, i called again. 

I have been informed the male supervisor that he can not do anything else. He have no compassion or care about my situation. 

On top of that he said i have to wait another10 days from XXXX XXXX to see if they can fix this issue. 

How can an online bank do this kind of things to a customer? 

I lost my confidence in this bank. 
Their management team have no emphathy and DOES NOT value customers!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/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 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My husband and I were unable to maintain the car payments due to my illness therefore we surrender the car back to company. We did n't receive anything stating that we owe anything else on the car or if it was sold. Since then it has been sent to XXXX for collection and is reporting on our credit report.

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 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in my credit report.

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 07/14/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Trouble during payment process

Complaint: My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
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My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
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On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.

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 05-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.

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 11/28/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. 

I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. 

The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Barclays bank Delaware made an inquiry on my credit report with out my permission. When contacted they said there was no record of me and that the inquiry should not have taken place. They would not assist me in getting the inquiry off my credit report.

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 07/27/2016 about Consumer Loan (Vehicle loan) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Problems when you are unable to pay

Complaint: The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.

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 03/20/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: Synchrony Bank - Lowes Credit Card The company does not any longer provide an online statement unless you agree to electronic billing. That 's probably legal. 

The company does not provide a statement of " balance due to avoid interest charges on your next statement '' ( XXXX XXXX does ). They 've argued that is legal and they 're not obligated to provide that information directly. Consumers can calculate the amount by subtracting promotional balances. 

Today I 've been on chat support with Lowes/Synchrony to pay my bill correctly, and so far XXXX agents can not explain what happens when I send in a payment regarding how the payment is applied to promotional balances. Oldest balance first? dunno. Allocated proportionately? dunno. 

The answer offered by each is that it is 'automatic ' and 'by the system '. 
It 's probably disclosed somewhere - but why would n't a full time company representative know this? 

What I was trying to understand is that I had actually zero current activity but there are XXXX separate zero interest promotional balances incurred at different times. Today I was making a payment. My past payments reduced the balance of all promotional purchases but not the oldest first. No one can explain the logic. 

The agents say that they can not explain the allocation but, to their credit for doing their best within their authority, that consumers have to call or chat each month if the consumer wants the payment applied to the oldest balance or in any particular way. 

Could the company comment, is this information correct? 

Why ca n't anyone just explain the payment policy? ... is it too complicated?

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 11/25/2015 about Debt collection (Payday loan) with National Principal Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX with National Principal Group keeps leaving threatening voice mail messages, and harassing phone calls to my job about an alleged payday loan I supposedly took out in 2004. I have NEVER EVER took out a payday loan. They are threatening me with arrest if I do n't pay. These tactics are illegal under the Fair Debt Reporting & Collections Act. 

Phone numbers XXXX & XXXX are the ones I am receiving the harassing calls from. I told them I was recording the conversation, and she became belligerent with me when I told her the calls are to STOP. She said she will call all she wants.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After XXXX payments totaling over {$35000.00} in interest on my Discover private student loan, my principal has only decreased by {$1500.00}. Please help!! They will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CT).
Issue: Struggling to pay mortgage

Complaint: I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Using a debit or ATM card

Complaint: I recently called Citizens bank to cancel and dispute charges on my new account of {$280.00} something. I just got back from outta the country, because my dad recently passed away and I get home to find out that my roommate stole and opened my mail and proceeded to use my debit card that I just got in the mail. He still has the debit and I tried canceling it but the customer service rep was so nasty to me, and did n't help me in anyway. Just said there is nothing I can do for you! I said let me speak to a supervisor, and they hung up on me!! Upsetting and rude!! I recently kicked my roommate out, and it got ugly, but you do n't steal from people helping you! I am so disappointed with the way Citizens Bank treated and handled my claim!! I just came right to here to file my complaint and get resolve on my matter of stolen money! I do n't want to speak to another nasty customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX of 2016, while reviewing my credit report, I noticed a collection from XXXX XXXX XXXX for XXXX in the amount of {$700.00}. Upon further investigation I found the account was open with an address I never lived at & the social security number used was similar to mine. The 5th & 7th digits were incorrect. I immediately filed disputes with XXXX & XXXX. Both agencies responded " Result Verified-No Changes ''. I then filed an Identity Thief Report with the FTC and sent letters to XXXX request they provide copies of the paperwork used to open the account ; copies of bills with phone numbers called ; any & all information showing when, where & by whom the account was opened. I filed a total of 8 disputes with the Credit Bureaus & all that was resolved was the wrong. They continued to claim the account was mine, but stated they COULD NOT provide me with any information regarding their investigation. XXXX never responded to my letters. Today, I received a collection letter from XXXX XXXX XXXX How I need to start the letter writing process with Convergent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I received an alert through my XXXX credit monitoring app that Accelerated Financial Solutions had placed a new account on my credit report. This account says it was opened on XXXX XXXX, XXXX with XXXX, which is not true. This is an account that has been previously disputed by me, and it does not belong to me. It was removed from my credit report approximately a year ago but has now reappeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation