milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Credit card) with Buckles & Buckles, P.L.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I BUY DEALER CHOICE IN XXXX CA I TEST DRIVE THEY KNOW ABOUT IT I TEST FRONT SHAKING THINK TIRE I PUT DOWN XXXX AND DEALER PUT DOWN XXXX I ASL FPR WARRTY HE SAY WAIT FINISH SIGEN ALL PAPER LAST MIN ( ASIS ) SHOCK HE SAY NO WORRIED BRING CAR I DID FEW TIME NEVER DID FOOLISH ME I WENT TO SHOP FOUND OUT FRONT FRAME DAMAGE AXLE IFEW DAYS I GO OTHER SHOP FOUR SAME STORY TOLD ME TAKE CAR BACK I DID HE REFUSE TRADE OR MONEY BACK I CANT HEAR WHEN COME OFF U ALL CAN HEAR NOT ME I DO RISK DRIVE PO [ P AND STOP HARD RUN OVER YELLOW LIGHT I CANT STOP LAST MIN BRAKE BAD, COST OALOT XXXX TO XXXX DOLLAR NO WAY I WANT MONEY BACK I TRYING TO GET LOOAN CANT HARD BEFORE TOO LATER KEEP DRIVING HAVE ALREADY CRACK THANK U I DID CALL LET THEM KNOW ABOUT CAR BAD .CREDIET ACCPTANCE MY PAYMENT THEY CANT HEKP ME. I DID CATCH UP PAYMENT WHEN CAR PLMS FIX I AM SO TIRED FOUND OUT FRONT FRAME DAMAGE I NED YUR HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Bank account or service (Savings account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2016 about Money transfers (International money transfer) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Other transaction issues

Complaint: I have recently initiated an International Wire transfer ( XXXX ) in my bank by filling in the Foreign Wire Request Form. It was accepted by a bank rep. It was on XXXX XXXX. Date the transfer should have been available to recipient is XXXX XXXX. As of today, the transfer has n't still reached them. In my bank they say the transfer is complete now. They called to double check the last name of the recipient saying their correspondent bank have probably made a mistake there. 
Yesterday, I asked them to open an investigation request to check the current status of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Due to a fraudulent scam activity, a check of amount USD XXXX from my account was cashed out by someone. As soon as I became aware if this fraud/ scam, I called the bank to report. I filled out and submitted fraudulent activity form and also filed a report with the police. 
The bank used delaying tactics and asked me to contact one after another person / customer service. In order for police to take action and trace down the suspect based on my report, police investigator asked that I contact my bank and get the address and other details where the check was cashed out. I requested my bank numerous times but they again used various delaying tactics and excused that the back image of check was not readable. After repeated attempts and insisting that bank should use money tranfer process to trace where the check was cashed out, finally the bank released partial info but by then it was too late ( over about two years ) that police have closed my report. When I asked my bank to reimburse me, I was informed that bank can not reimburse me because it was too late. Hence, I lost my {$550.00} from the bank due to its delaying tactics, refused to give me the details asked by police department and the bank not being able to secure my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SUMMARY Nationstar Mortgage has been harassing me for a debt that they are attempting to collect that is not legitimate. They have filed this debt on my credit report as I will show you. EXHIBIT A will show you where the mortgage was assigned from XXXX to Nationstar Mortgage LLC which indicates the effective date of the assignment of mortgage was on or before XXXX/XXXX/XXXX. EXHIBIT B will show you where the Nationstar Mortgage LLC assigned the mortgage on the same date to XXXX. EXHIBIT C will show you where Federal Home Loan Mortgage Corporation had a warranty deed dated and fully executed on XXXX XXXX, XXXX. Which was notarized in the attorney 's office of XXXX XXXX XXXX, XXXX, XXXX, PA by their employee who is a notary? EXHIBIT D will also show you where XXXX XXXX XXXX Mortgage XXXX prepared a fully executed Release of Mortgage and had it recorded on XXXX XXXX, XXXX. I, XXXX had issues with them recording the document within the allotted time they were supposed to so you will see a letter in which I prepared to the attorney 's office to abide by the law in which they completed. On XXXX XXXX, XXXX, a year and XXXX months later I started receiving phone calls ( Call log EXHIBIT E ) and letters from Nationstar Mortgage indicating I owe them money and they were trying to collect on a debt from XXXX. This is so emotionally stressful for me as in the enclosed documents you will note I worked so hard for the mortgage company to have the mortgage released due to I lost my job. It took them 2 years to complete after ; I made written complaints to the OCC. EXHIBIT XXXX in which the company lied to Office of the Comptroller of the Currency ( OCC ) indicating they had taken care of everything in which in fact they did not. EXHIBIT ____. Then I had to follow up with OCC to advise them that in fact the company did not complete where they were supposed to. Well needless to say it was finally completed back in XXXX and now they are back at it again. I have paid all my bills on time and I tried to apply for credit and was denied. I did n't understand why until the phone calls started. I have since put in an investigation to try and have my credit corrected. However that does n't change the fact that I am denied credit. I have told the individuals several times I do not owe them and they are harassing me. Nationstar does n't even have an interest in the property as they assigned the mortgage and the mortgage has been release. I even have received paperwork to file along with my income taxes to show as well. Now they will try and file this against me twice as income with the IRS and this is not right. I have to pay the court for filing fees etc. For something this company has no rights to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX public records for tax liens that are paid in full and transunion is the only discrepancy compared to my other XXXX reports these were supposed to be removed and have not

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 07-11-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I completed a modification and my credit was never adjusted to reflect payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: BB & T made a mistake and will not correct it.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Rewards

Complaint: CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2016 about Debt collection (I do not know) with Premier Recovery Group (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: calls everyone in my family and Claims there is Fraud Associated with my SSN, but will not send mail or letter confirming, the call originates from XXXX ext XXXX " Office of XXXX XXXX '' also know as premier recover group. 
they call my family and work harassment with false claim I owe a debt, this is a scam or Fraud.

Company response to consumer: Closed
Consumer complaint received 11/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I received an American Express ( AmExp ) invitation letter asking me to open an AmExp Premier Gold Card in XXXX 2015. The invitation stated that XXXX bonus member reward points will be granted after spending {$1000.00} in the first three month. I called to apply the Gold card and submitted my invitation code that was printed on the invitation letter on XXXX XXXX, 2015. It was communicated clearly on the recorded phone line during the application. 

I made more than {$1000.00} eligible purchases on the card and paid in full on time by XXXX XXXX, 2015. As today, I did not find the XXXX bonus reward points posted in my account. I contacted AmExp customer service, shockingly to me that AmExp had CHANGED the terms of my contract and XXXX points would NOT granted to me. Because they were unable to find both the marketing letter sent to me and my application phone record. 

I was very upset of this finding. I believe that AmExp breached the contract with me and their marketing technique was deceptive and overstated the benefits. Being an AmExp credit card holder for more than 30 years with XXXX FICO scores, my trust to AmExp was broken. I stopped using this card. I contacted my legal adviser for this matter. 

I requested XXXX to investigate my case again. if unsolved, legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.

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 11/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Closing/Cancelling account

Complaint: I have had many credit card accounts owned by Synchrony Bank. Due to false and wrong credit reporting by creditors to Credit Bureaus ie XXXX, XXXX, ALL credit cards I have had in GOOD standing, or were paid off in full according to terms of agreement with Synchrony ( NONE of which were in default or behind ) were closed!! This is an outrage as all the information for which their decision to close was based on each one ( and they were all the same ) stemmed from derogatory records or recent collections and these " adverse '' accounts have been shown to be wrong, false, and or have been removed from my credit report after review by creditors. There is no reason to have closed these accounts as I was never in default nor behind, and in fact several had XXXX balances. The closings have occurred over the course of last 6-8 weeks.

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 07/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Billing disputes

Complaint: I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Shopping for a loan or lease

Complaint: In XXXX of 2014, I tried to refinance my home loan, only to find that a loan that I had co-signed for my sister, XXXX XXXX, was reported in collections and past due by {$260.00}. ( see attached ) This prevented me from obtaining my home loan, which I was pursuing through XXXX. This is erroneous and further more insulting when Portfolio Recovery Associates provided very little information, when talking to their representative by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with Riverwalk Financial Corporation (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt has been being passed around to XXXX collection agency after another for over 10 years. 
Can you please help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Mid-America Accounts Control Bureau, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Equifax as of this date, XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ITS SHOWS INFORMATION IN DIFFERENT CREDIT REPORTS THAT THE ACCOUNTS ARE CONSIDERED " INCLUDED WITH MY BANKRUPTCY '' DISPUTE ALTHOUGH IN OTHERS REPORTS ARE CONSIDERED AS " CHARGE OFF ''. I DO BELIEVE THAT THIS CHARGE OFF ACCOUNTS SHOULD HAVE BEEN INCLUDED WITH MY BANKRUPTCY.

Company response to consumer: Closed with explanation