milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX, I transferred ( by way of XXXX XXXX, through Capital One 360 ) {$1100.00} to a XXXX  XXXX XXXX account. Within minutes, I received an email notification stating that the funds were sent and that the said funds would be available immediately by the receiver. They were never received. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX and advised of the problem, she advised it would be " researched ''. I received no response back from XXXX. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX, XXXX, and XXXX, in which they all insisted that the money was transferred and that they could do nothing, but that it was " being researched '' and to contact XXXX XXXX XXXX to have the funds released. By XX/XX/XXXX, the recipient still did not have the {$1100.00} in their account, had confirmed that their email address and cell phone # with XXXX XXXX XXXX ( how funds are transferred with the XXXX XXXX  XXXX  ) was correct, and that no funds had been received from Capital One 360 and no funds were on hold. I ( again ) called Capital One 360 ( XXXX ) and spoke with XXXX, whom again, could do nothing for me and advised that this was ( again ) " being researched ''. On XX/XX/XXXX, I received an email from an XXXX stating that " we are researching '' and yet still NO RESOLVE. By XX/XX/XXXX, I still had not received the funds back to my account and the recipient had not received the funds, so I called Capital One 360 ( XXXX ) and spoke with XXXX out of Delaware ( ID # XXXX ), who stated was " part of the management team ''. He was arrogant, dismissive, and provided zero assistance. He also stated that there was " NO CASE # assigned to my issue ''. I tried to file a " claim '' on my money, in which i was advised would take " more research ''. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX. Still NO RESOLVE AND NO MONEY BACK INTO MY ACCOUNT. It is now XX/XX/XXXX, and I have yet to hear back from the " management team '', have not received any additional emails of resolve and still do not have the funds back in my account. Please be advised that this is MY CHECKING ACCOUNT, not borrowed money, not a loan, but MY MONEY. CEO, XXXX XXXX needs to be THE person to contact me, advising me that the money WILL BE in my account today!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by Equifax, XXXX and XXXX which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked Equifax, XXXX and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank

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 09/14/2016 about Mortgage (FHA mortgage) with Lynx Asset Services, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Please see all attached documents in reference to my complaint. # XXXX Per my conversation with XXXX, he advised to attached more documents. XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a formal complaint against Ditech in regards to XXXX program and I supplied all information that they asked, which was proof of my 1st lien being modified under the XXXX and other document that support the XXXX modification. Ditech did n't consider my information that I supplied and replied that XXXX XXXX XXXX XXXX XXXX did n't reported my 1st mortgage being modified under the XXXX. Therefore, Ditech refused to consider reviewing my loan for the XXXX because of the negligence of XXXX XXXX reporting information about XXXX program. I believe Ditech is not servicing my appropriately and they are hinder me from receiving my opportunity to government assistance program in reference to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Problems caused by my funds being low

Complaint: Charged over draft fee that employee could n't explain. The overdraft was the only thing that overdrew my account

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score the companies are XXXX control, Syndicated Office Systems and XXXX. they all say I owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NM).
Issue: Trouble during payment process

Complaint: I have called  Seterus, Inc  XXXX   XXXX  times trying to obtain paperwork for a Recast. I am trying to make a large payment to my mortgage because doing business with Seterus is a nightmare!! They refuse to let me make a large payment to the principal loan, and have denied the paperwork to me. I need to make a large payment immediately, but they are not willing to take it. I know that my loan does not have a prepayment penalty, and they should let me pay what I want to pay to my loan. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Payday loan debt) with Platinum Holdings Group, LLC (WI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Medical debt) with Seattle Service Bureau, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company nam ed National Services c alled my husband on  XXXX   XXXX   XXXX  at  XXXX    XXXX   CST from phone number  XXXX . They called saying we owed for a medical bill of {$250.00}. They did not say who the doctor was, and they attempted to pressure us into giving them contact information. We told them we did n't know what they were talking about, since we have no outstanding medical bills and that they needed to send it in writing. They said they did, but we have never received it.  <P/> It is possible that a  XXXX  we did business with is fraudulently trying to collect on money they refunded to us in  XXXX   XXXX  over a dispute. They fraudulently attempted to charge our insurance company (  XXXX  ) for the amount they refunded but were denied payment. They never sent us a bill. I will not contact that  XXXX  about this because we do n't trust them, that was the dispute we had with them, and they refunded the money, thus admitting they were in the wrong. Their contact information is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX  Phone : (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    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 05/27/2016 about Debt collection (Non-federal student loan) with ConServe (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This student loan dose not belong to me wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I had a XXXX XXXX business card through Costco that was switched to Citibank this summer ( 2016 ). I received a letter alerting me of the switch ( sometime in XXXX? ) but never received a new card from Citibank or any other statements/notifications. In XXXX, I was contacted by XXXX, XXXX and XXXX who alerted me to a balance owed on the Citibank card. I had forgotten about a purchase during the transition and as soon as I was contacted paid the balance in full minus the fees from Citibank. I contacted Citibank to inquire why no card or statements had been sent to me and to ask for forgiveness regarding the fess considering the situation. I was informed that indeed no card or statements had been sent yet Citibank confirmed that they had all my current information. I faxed a letter of dispute to Citibank XXXX/XXXX/16 and followed up XXXX/XXXX/16 and was told they had not received my letter. I re-faxed XXXX/XXXX/16 and did not hear any response until I called Citibank XXXX/XXXX/16. I was then told my dispute had been denied and I owed a total of {$100.00} for late and interest fees. It took several calls and transfers to finally find someone who could help me as I was told multiple times I no longer had an account, nor could they find my account. Further, I have been denied knowledge of my account number making it very difficult and cumbersome to access my account each time I call. I am disappointed that Citibank had many opportunities to mail, email, or call me regarding my balance but instead sent me to collections. Because of this I feel the late and interest fees accrued should be removed. I have been informed that the account is now closed and the dispute team is the division that has the power to remove my charges. I have been denied by my first attempt and am sending in another fax today, XXXX/XXXX/16 to have it reviewed once again. Before this issue, I never missed a credit card payment to XXXX XXXX ( or other credit cards as well ). When I spoke with the collections representative she stated that many, many CostcoXXXX customers were experiencing the same situation as myself. Thank you.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite two written requests, ( XXXX XXXX XXXX 2017 and XXXX XXXX 2017 ) the unverified item still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ORIGINAL creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with MY SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


As far as the amount of the debt, it is reporting two different amounts on the same account. {$520.00} and {$520.00}. Explain and DELETE!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an XXXX XXXX card issued by Barclays in the summer of XX/XX/XXXXin order to purchase from the XXXX XXXX and receive points for it. <P/>Unfortunately, one year later I had a housing crisis and called Barclays to enter this credit card into the Financial Hardship Program. The account was closed, my interest rate and minimum payments were lowered and the late fee was waived. I successfully completed the program in one year and began making regular payments until I paid the entire balance a few months ago. <P/>However, when I started shopping around for a refinance on my student loans, I noticed that I was getting denied due to " excessive late payments. '' I pulled my credit reports and noticed that Barclays listed this closed account as 30 days late for six consecutive months ( XX/XX/XXXX XX/XX/XXXX) after I entered it into the hardship program. <P/>If I had known that my account was going to be marked late, despite paying on time on the same day for an entire year and AFTER enrolling in the hardship program, then I would n't have joined a " hardship program. '' I 've disputed with XXXX, XXXX and XXXX multiple times - online and in writing - as well as directly with Barclays. They keep saying that the reporting is correct despite the documents and payment statements ( all directly debited and accounted for from my account ) the contradicts their assertion. <P/>I 've asked them to correct my account status or explain how they 've come to their conclusion, but they refuse to do the first and refuse to explain the latter. <P/>This account has been closed for over a year and the balance has been paid in full, so I have no interest in acquiring a Barclays card or co-branded card after the run-around I 've received from them.

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 05/26/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: Chase is closing my oldest credit line without any notice to me to save it and without disclosing an inactivity policy.

Company response to consumer: Closed with explanation