milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Home equity loan or line of credit) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried contacting People 's Bank on XXXX different occasions. They will not respond with anything of substance. I only received 2 letters saying they will investigate but then no investigation results. I have disputed with the credit bureaus many times, each time the credit bureaus report that People 's Bank has responded that the account is accurate. 

I requested documentation about the " alleged '' late payments. I requested copies of statements and payment records but they refuse to send them to me. 
The issue is that they are reporting different late payments to different credit bureaus. Because they are conflicting information there is no way for it to be accurate. If XXXX bureau has accurate information then the other bureau which has conflicting information must be inaccurate. They refuse to investigate or provide any documentation to me. My first request was made under the authority of Section XXXX of the fair credit reporting act and was sent certified mail track # XXXX which was received by them on XXXX XXXX, 2015 at XXXX XXXX. 
I am seeking your intervention here to make these people aware that they are not complying with the law. 

Please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX won a home from me in court, but he failed to refinance the joint mortgage before he stopped making payments. The mortgage company did not send me any statements or provide any notice, they reported me to all XXXX credit reporting agencies as failure to pay. XXXX settled the account satisfactorally by sort sale, but my credit report has n't been updated to reflect a positive outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: A judge ordered Capital One to cooperate with us in getting a modification. Capital one have a history of lying about dates. Last time in XX/XX/2016 they sold out house even though we were not notified, and AFTER approving a modification. We kept telling them we never received the mod and they said they sent it to wrong address but never fixed it. Now after a judge overturning the sale cap one are supposedly working on a new mod but they have a sale date set for the house of XX/XX/XXXX. One honest manager said a sale date should never have been set during a. Modification and they would make sure the sale date was canceled or at least moved out by 90 days. That was 4 weeks ago. No change to sale date and no return calls from escalations. They are just lying again and stalling so that they can take the house. We are supposedly in underwriting for a mod so how can they have a sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Incorrect amount and interested charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My savings account charges {$5.00} fee per month, if my balance is below {$300.00}. I can only afford to save $ 10-20/month. 

My income is low, so its going to be awhile before I can get my balance above {$300.00}. 

This is the Way 2 Save plan at WellsFargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Closing on a mortgage

Complaint: I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to XXXX requesting the same information and nothing has been done by either XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out that I may be potentially impacted from the credit breach that occurred at Equifax. Please try to help me in any way possible and include any information I need to do to protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was {$40.00} available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost {$160.00} in available credit. When I called the customer service rep advised that this account credit limit had been lowered the same night. This account is always been paid in great standing. Synchrony bank only dropped my limits after I paid down XXXX other accounts with them. I believe this is retaliation due to me previously filing a complaint against them. Synchrony also lower my Lowes account and my Phillips 66 card. My initial complaint was due to the banana republic card being reported as late. Synchrony is caused my score to lower due to reducing my credit limit causing my utilization rate top go up. Synchrony bank needs to stop 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 04-09-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (MA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Medical) with AllianceOne Recievables Management (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went to the XXXX Hospital in XXXX to pay off this bill. 
This is a facility that caters to the poor. I had to go there years ago when I was not married and I had a severe medical issue. 
Anyway, I drove around for an hour. There was no parking lot and no parking on the street. The place was a zoo. So I went back home and tried to telephone them. Finally, I spoke to this person at Alliance One Receivables who took my payment. 
The only reason I paid was to redeem my credit score. 
After I made the payment, I asked the person who assisted me could I have a paid in full letter. He said they do not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Equifax has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with Equifax, XXXX, and XXXX  regarding items on my credit reports. Equifax claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX Equifax claim to have investigated and VERIFIED this item by means of XXXX! 

EQUIFAX, XXXX, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Wrong amount charged or received

Complaint: I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.

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 09/22/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. 
I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. 
This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Trouble during payment process

Complaint: Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on 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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.

Company response to consumer: Closed with explanation