milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have 2 issues with BBVA Compass Bank. 1 ) They failed to pay my homeowners insurance in a timely matter. Insurance was due XX/XX/XXXX and not paid until XX/XX/XXXX.We advised BBVA Compass the first payment was not received. Upon receipt of the copy, they did not include any identifying information. After 3 weeks of dispute, BBVA Compass finally issued a 2nd payment on XX/XX/XXXX. We were being held responsible for the 2nd payment. 2 ) After being told not to worry about a hit on my credit if the XXXX payment was received on XX/XX/XXXX, I took a hit on my credit. My wife and I were told as long as we closed by XX/XX/XXXX, XXXX Mortgage could not mark our credit. We were told we had 45-60 days to get the payment to them without penalty. XXXX gave me this information. XXXX Mortgage did mark our credit as a late payment for both XXXX and XXXX. I called XXXX Mortgage on XX/XX/XXXX with no response. After making attempts through the credit bureaus, as instructed by BBVA Compass - XXXX - and being denied, we again went to BBVA Compass and requested a letter after finally hearing from XXXX of XXXX Mortgage on XX/XX/XXXX. XXXX now does not recall saying anything about closing by XX/XX/XXXX but does admit that we were told XXXX Mortgage could not, by law, mark our credit for 45-60 days. He " recalls '' that another coworker, XXXX, told us this. Totally untrue. It was 100 % XXXX that told us both pieces of information. We requested a letter XX/XX/XXXX from BBVA Compass via XXXX. Indications were it would not be an issue. We received the letter on XX/XX/XXXX. In the letter, BBVA Compass put the blame back on us in the letter. We sent the letter to XXXX of XXXX Mortgage to see if the late payment would be removed. On XX/XX/XXXX, XXXX Mortgage denied making changes due to the information in the letter from BBVA Compass. A change to the letter was denied by XX/XX/XXXX and they have not given reason as to why. Information provided by XX/XX/XXXX was, as we have now been told by BBVA Compass, was incorrect. We acted on that information. BBVA Compass is now denying that information was given to us even though it was admitted that we were told XXXX Mortgage could not mark our credit. WE WANT THIS REMOVED FROM OUR CREDIT!! We have no other late payments. We create a bill, we pay our bill. BBVA Compass has a responsibility due to misleading practices and negligent supervision for XXXX. I have requested contact from the CEO as well. We are going on 10 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing with equifax incorrect information that is reporting on my credit report in regards to my XXXX charge account. Currently it is reporting as potentially negative with a 30 day late payment and a deragatory remark. This information is incorrect. I am attaching additional information from XXXX 's stating that this account was not paid 30 days late and they were going to notify the credit reporting agency 's of the changes to be made. I have been disputing this as far back as XXXX of 2016. Today I received another letter dated XXXX/XXXX/2016 supporting my dispute. This account should be reporting as accounts that are in good standing and the deragatory remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written Transunion three times in reference to removing inaccurate information from my credit report. They have not removed any of the requested accounts and have responded back each time telling me that they have verified the information without provided me with any physical proof or verification. This completely violating the law in accordance with the Federal Credit Reporting Act.

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit reporting agencies are reporting Public Record Information on my profile that is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Credit card) with Drew Eckl & Farnham, LLP (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I spoke with XXXX XXXX of the Drew Eckl & Farnham firm on XXXX the XXXX. I asked for a debt validation that day through email. I reached out again on the XXXX of XXXX requesting the debt validation. He could not provide the validation either day. 

I reached out again to the XXXX XXXX firm on XXXX the XXXX of 2017 requesting it again and they could not produce a validation of debt. 

I then called/email XXXX XXXX on the XXXX the XXXX of 2017and was cc 'd on an email with XXXX XXXX and XXXX XXXX to produce the debt validation and they could not provide that for me. 

I called XXXX XXXX and XXXX XXXX of XXXX XXXX of 2017 and they refused to send me any debt validation. 

They continue to report the debt to the credit bureau agents and continue to request payment but have refused to send any validation of debt over a span of 3 months and a total of 5 requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Javitch, Block & Rathbone LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.

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 06-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a call  from   XXXX   XXXX   XXXX     XXXX      XXXX   XXXX    ,  XXXX , IL  XXXX . A  "  XXXX   XXXX  '' left me a message to return his call at  XXXX , The call was spoofed as "  XXXX  '' I guess to appear as a local number so I would answer. I returned the call and talked to  XXXX   XXXX  and he advised me it was a an attempt to collect on an old  Capital One  credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whol e nine ya rds. he just refused to accept that I did not want to speak to him. My issue wi th Capital One  is between myself and them. If they have chosen to sell the debt some day i  may  be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from  XXXX  which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Sectio n 807 : A debt collector may no t use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of sectio n 808 as well : A debt collector may n ot use unfair or unconscionable means to collect or attempt to collect any debt.  <P/> I want the calls stopped and I want an investigation into the violations I cited above

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my personal information as a result of the data breach announced in XXXX 2017, which included names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. This puts me and millions of other people at risk. I have verified that I am a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought a watch battery worth less than {$10.00} and paid it in full via a promotion program by XXXX XXXX. While I did not establish a credit relationship or made any further purchases from the Jewelry store, the company has consistently billed me for Jewel purchases that I do not know anything about. On learning about the bills, I immediately went to the same XXXX to request immediate bill correction and to stop sending bills. My many visits and subsequent reassurances that the matter will be handled, have how lasted for close to 10 months. The company has consistently sent me huge bills the latest being {$5600.00} coupled with threats for collection. This has continued to come despite my objection to the company and multiple requests to be removed from the company 's debtors list. 

Distress : Just recently, as I attempted to co-sign an auto loan for my son as he joins college, I was dumbfounded to learn that XXXX have damaged my credit rating in a report to the credit bureau. The company has also continued to issue threats to me for collection measures. 

Because of XXXX XXXX 's fraudulent charges, my historically high credit rating has been damaged to the effect that I am not able to make any progress in my life and that of my family members.I am in urgent need to have the company remove the negative report and to compensate for the distress caused by the 10-month long ordeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Federal student loan debt) with Premier Holdings (AE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with ACS Education Services (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.

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. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but XXXX and Equifax and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with AES/PHEAA (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I check credit karma before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from XXXX who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted XXXX they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: only {$190.00} was owed to Wells Fargo. not the amount reported.

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