milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is not licensed to collect in my state ( Michigan ). I checked on the www.michigan.gov/XXXX website as well as called the state ( XXXX ) and I was informed that the company has no license to collect debt in the state of Michigan. The company took two payments out of my bank account once on XX/XX/XXXX and XX/XX/XXXX. They never validated the debt either. They also never gave me a confirmation of my payment. They claimed they would mail it to me but I never got it after asking it to be mailed twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE

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 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: On XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Results of the reinvestigation. The accounts XXXX, /XXXX, /XXXX  are currently not reporting. See attachment. I now have received a new bill from a new debt collector ERC and new account # XXXX for the same amount {$140.00} I do not owe. Dated more recently XX/XX/XXXX ... but, reported back in XX/XX/XXXX. That according to the recent investigation no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Problems when you are unable to pay

Complaint: I have submitted a cease and desist letter to Synchrony Bank by certified mail and received a signed receipt back dated XXXX XXXX, 2015. I have XXXX accounts with them and the letter included all accounts. Synchrony continues to call me several times a day to demand payment. I have blocked the number but the phone still rings to alert me to the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with Kirschenbaum & Phillips P.C (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After defaulting on a home improvement loan from XXXX ( XXXX ), I entered into debt collection with Kirschenbaum , Phillips & Levy , P.C . ( KPLPC ). It was arranged to deduct $ XXXX/month from my checking to pay the ~ {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, KPLPC, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called KPLPC in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with XXXX and would resolve the issue. At this time, I was still getting " bills '' from XXXX, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to XXXX. 
Come XX/XX/XXXX, I still had not had the issue resolved by KPLPC. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XXXX. 
Come XXXX XXXX, no resolution. At this point, XXXX sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted XXXX directly to ask what was happening. XXXX claimed they were in contact with KPLPC, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. XXXX also claimed they sent the money back to KPLPC. I emailed and called KPLPC with this information and got this in return from XXXX XXXX - " I was able to talk to XXXX this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at XXXX that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with XXXX, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was in modification with chase bank and they decided to stop the process and foreclose the property without any letter or follow up. The property sold this week and and the new owner sends a letter about moving out within so many days and we had no notice from chase about any of this happening the lawyers never sent any correspondences what right do we have as consumers when big banks just shut the door on property owners without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Late fee

Complaint: Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I was previously enrolled in credit protection through Citibank which i was charged a monthly fee and I never gave consent or any knowledge of this service.I believe this might have been added into the tax part of my monthly payments without my knowledge also..valid approx. XX/XX/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 monetary relief
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Transaction issue

Complaint: When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In my  XXXX   XXXX  Transunion Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on  XXXX   XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX , OH  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with N.A.R., Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: North American Recovery has been harassing me and has failed to provide information necessary to determine if an alleged debt is valid. They have called me repeatedly and spoken to me in a combative and threatening manner and made numerous threats. I have multiple times provided them my correct address and requested a written description of my debt per my legal rights. I have received nothing from them. I recently discovered a negative entry on my credit report attributable to them that arbitrarily exceeds the amount they previously claimed I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.

Company response to consumer: Closed with explanation