milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Deposits and withdrawals

Complaint: I recently opened XXXX accounts with Capital One, a checking and a savings Account. I opened the checking account with a XXXX check endorsed to me and XXXX in cash. I opened a savings account with a XXXX cash deposit. The XXXX checking deposit was returned to me. My account balances are listed as XXXX and XXXX respectively. I contacted Capital One 360 by phone twice. The first time after a 20 minute hold, I spoked to someone. When I asked why my funds were not available, I was told " This bank is not dealing with you anymore. '' When I asked why, I was told, " I am not discussing these accounts with you. '' The phone call was then rudely and abruptly terminated. A month later, I again called them. After being on hold for 20 minutes again, I opted for the call back option. I never received a call back. In addition, I have faxed them 4 times, and have received no response. I have never received a written explanation or any explanation whatsoever as to why I can not access my funds. If they have closed the accounts, I want my money back. I am a XXXX veteran and XXXX tied up in accounts I can not access is a big deal. I would like my money returned to me. This has been going on since XX/XX/XXXX. I am extremely unhappy about this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I called Midland funding to offer a settlement on a very old debt. They threatened me and indicated I am being sued and needed to contact XXXX 

I called XXXX and was rudely told I am being sued. The lady I spoke with was XXXX. She refused to accept a settlement although I insisted this account was included in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX started the short sale process in XX/XX/XXXX. The current Foreclosure Sale date is XX/XX/XXXX. We have a very incompetent Rep with Chase. She has requested so many changes and we have had the current buyer since XX/XX/XXXX. She has requested 8 HUD revisions. That tells me she does not know what she is doing and it is very frustrating. I do not know if she does not know how to read a HUD or is just being very vindictive because I have gone to Chase Executive offices and  FHA/HUD/NOVAD. XXXX XXXX has complied with everything that the Chase has requested as well as myself. I understand that there are certain rules and regulations that need to be followed due to the type of loan. However, due to this being a Government Regulated loan while the property is in review for loss mitigation options the foreclosure sale date should be pushed out! I need some assistance with Chase so that XXXX XXXX does not lose this home to Foreclosure while it is in review for loss mitigation/short sale. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

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 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 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: At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with Merchants Credit Adjusters, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Loan originated XX/XX/XXXX. Original loan amount was {$14000.00}. Original interest rate was 4.75 %. Payment was {$110.00} for 15 years. On XX/XX/XXXX the interest rate was lowered to 3.75 %. The payment was never changed and continued to be {$110.00}. The online statement shows a balance of {$4600.00}. The online statement shows a payoff date 0f XX/XX/XXXX. All third party calculations show a payoff date of XX/XX/XXXX. 
On XX/XX/XXXX I contacted Navient and was told they were unable to correct the online loan detail statement. The indicated the correct payment amount should be {$96.00}?? but admitted that no effort had been made to notify me of a payment reduction. Additionally, if I rely on the online statement, I would be making an additional 10 monthly payments. 
In light of the past practices of Navient, I am concerned that they will overcharge me for this loan. My request for an updated loan statement or explanation of how my payments were being applied to the principal were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was served a lawsuit from  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on  XXXX / XXXX /  XXXX  . The lawsuit was filed on  XXXX / XXXX /  XXXX  . I am being sued on behalf of  Midland Funding, LLC  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm,  XXXX   XXXX   XXXX , LLP. This account was disputed directly with the  Original Creditor, and Midland Credit Management. Which I am not sure is even the same company as Midland Funding. I have never been contacted by Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my 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 03/26/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has shared my information to midland mcm without proper consent

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed bankruptcies on my credit report multiple times, after submitting a federal judges court order redacting my information. An representative of Experian by the name of XXXX XXXX personally closed out disputes making it difficult for me to reinvestigate. He has placed an alert on my file for no one else to assist me and when I am transferred to him he has not returned my phone call or answers the phone when you reach out to a different department the consumer assistance division told the switch board not to allow me t speak to any higher ups higher than his department.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: Begining in XXXX 2017, Equifax received payment of {$5.00} to provide me a replacement pin so I can lift my credit freeze and provide evidence of identity. They have failed to provide me a pin and this is causing me to not be able to purchase a home. <P/>
I have written them 3 times and my attorney wrote them on XXXX XXXX2017  and to date they have failed to provide me a replacement pin even though they have accepted my payment and failed to return the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires ran without consent

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 06/20/2016 about Mortgage (Other mortgage) with Alabama Housing Finance Authority (AL).
Issue: Application, originator, mortgage broker

Complaint: I applied for an FHA home loan a month ago in conjunction with an Alabama Housing Finance Authority XXXX ( down payment assistance ) I was told the loan would be approved, but just found out from the mortgage loan officer, today, XXXX XXXX, 2016 that I do not qualify for the Alabama Housing Finance Authority XXXX because I am married and estranged from my husband who is living XXXX and can not be contacted to state his income and give his authorization for me to purchase the house. I am just stunned because I was led to believe that everything was o.k. and closing would be XXXX XXXX, 2016. For this reason only, I can not purchase a house and must continue to rent. Alabama Housing Finance Authority stated that I needed to be divorced, legally separated, or my husband needed to be deceased in order to take advantage of the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experian has energy bill on my credit report that doesnt belong to me that is paid with a late payment it is being reported as in a bankruptcy that i do not have it is just all incorrect it has stopped me from getting credit because it is reporting being settled in a bankruptcy and late. Also The bureaus are reporting my student loans as being paid late and i have never paid them late i have asked to be forwarded the proof of these late payments and have not received it. i have not paid these loans late. The bureaus have merged incorrect items on my files on XXXX other occasions and it has taken over XXXX years and i have still not gotten all of the items fixed yet i would like for them to take the energy bill off of my credit it is not mine, i have never had a bankruptcy or an energy bill in my name and remove either the closed student loans or update the late payments to the correct status. i know they can not send proof of these payments being late because i have never paid them late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Application, originator, mortgage broker

Complaint: I have tried to get a Mortgage from US Bank and have submitted all taxes & XXXX forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did XXXX XXXX the Supervisor for this XXXX Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being XXXX, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very small loan. Discrimination is playing a factor into all this from the fact I 'm XXXX and easily tricked into the wrong protocol as told to due & the fact my loan is not a large loan and is not considered as important. But locking in rates, getting a prequel letter comes BEFORE CONTRACT!!! This I have been told is not true saved on my email from US BANK Supervisor and US Bank Mortgage Agent.

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 04-06-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Fraudulent activity. Someone withdrew money off my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation