milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Phoenix Financial Services is reporting a debt in my name to all Credit Bureaus. I do not and haver never had an account with Phoenix Financial Services. I have researched through my Secretary of State and Phoenix Financial Service is not even licensed to collect debt in the state of Louisiana which is the state I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have ask Experian to delete negative information from my report. Experian send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under Results.

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 01-09-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (GA).
Issue: Problems when you are unable to pay

Complaint: A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a collection account on my credit report by a debt collection agency : Fox Collection Center which is not licensed in the state of Florida. Therefore I am disputing this collection 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 02/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with Consumer Asset Management (Texas) (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

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 06/26/2015 about Debt collection (I do not know) with CREDIT ACCEPTANCE CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with DISCOVER BANK (VA).
Issue: Advertising and marketing

Complaint: I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I did a refi/streamline on my home loan in XXXX, received my payment coupon for XXXX which said 0 due and I will attach this, when I received my payment coupon for XXXX it said that I missed my XXXX payment and now owed a double payment, I called the company and faxed in the payment coupon they had sent me, I also texted my loan officer, they called me a couple of days later and apologized but that that coupon was for the previous loan and not the new one and they were sorry that I did n't get the correct coupon but that the XXXX payment was still showing late and that they could n't change it and that I still owe the double payment, this is affecting my credit and is not fair to me the consumer, the lady from Carrington apologized and said she felt bad but that there was nothing she could do. I followed their payment coupon and now I am being penalized for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter from SLS dated XX/XX/2016 that said I might qualify for a HAMP modification. I filled out the HAMP application packet included with the letter, and faxed it back to SLS on XX/XX/2016. Shortly after that, I called SLS to confirm that they had received my application. I spoke to an SLS representative and she confirmed they had received my application and she gave me a rough estimate of future modified payments. She did not tell me that I needed to send anything additional. Now SLS has scheduled a foreclosure sale on XX/XX/2016. I never got any answer from SLS about my modification, and they never communicated with me about anything else I needed to do. Not only is this not fair, but it will make me and my family homeless including my children who grew up here.

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 10-05-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland funding keeps attempting to collect a old debt from me and I never had credit with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Filed disputes against XXXX XXXX XXXX about collections containing in accurate information. Investigation took longer than 30 days and Equifax report as correct by verification through an online 3rd party system and did not speak to original creditor to verify the debt. XXXX was able to delete these same accounts and was unable to get the correct verification so they actually removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2017, I opened a credit card with Citi Cards. On XXXX, I received both a text and email saying I should have received the card by now and to please activate it. On the XXXX, I called the customer service number stating I had never received the card. The customer service representative told me that it apparently had been returned because the apartment number was incomplete. We confirmed my address and he assured me that I would receive it within 7-10 days. On XXXX, still not having received my card, I called the customer service number again because now I 'm thinking I 'm a victim of identity theft. Citi Cards is unable to verify that I 'm the account owner, in spite of me giving them my security password, first concert attended, and all of the information I used when opening the account. On XX/XX/XXXX, I called Citi Cards five ( 5 ) times with no resolve. Each time I 'm told I will be called back and never was. They did tell me my account has a hold. Not hearing from Citi, I called again today XXXX. I confirmed the XXXX digits of my card ( which I pulled from an email from them ) and my security password yet again was told that I would absolutely receive a call back from their fraud department as my account is under warning. That was more than 12 hours ago at XXXX this morning. I can not get a direct answer nor status on my account and I do n't know what else to do since I have never received the credit card. I 've called Citi Cards eight ( 8 ) times and can not get a direct answer as to when I will receive my card on an account that was opened more than one month ago.

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 non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, XXXX and Experian credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.

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 non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sometime last XXXX, I sent this company a validation request letter dated XXXX XXXX, 2017 (  please see attached copy of the letter ). To date, this company has not sent a valid/proper validation documents. I have disputed this item with the credit bureaus but both refuse to comply with the stipulations of the law. This is my last option before taking legal actions and involving a legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cascade Creditors Service, llc (OR).
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 XXXX/XXXX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XXXX/XXXX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XXXX XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. 
Finally in XXXX XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.

Company response to consumer: Untimely response
Consumer complaint received 07/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my info hacked as a result of identity theft, result being I received a bill from XXXX for services in XXXX. I have filled out all the forms and send copies of all pertitent info on this bill and mailed to Credit Collections Service of XXXX.I have not heard from this collection service since?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Payday loan, title loan, or personal loan (Installment loan) with CITIBANK, N.A. (AZ).
Issue: Getting the loan

Complaint: I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.

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 04/13/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Can't contact lender

Complaint: Company claiming to collect on behalf of a payday loan. Wo n't stop calling at all hours. Left threatening messages on my phone as well as my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. 

I have never been in the Army or Air Force.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Credit decision / Underwriting

Complaint: I have had a 30 year fixed mortgage for about 7 or 8 years ; the mortgage was serviced and or owned by XXXX XXXX XXXX simple principal and interest payment. On or about XXXX or XXXX of XXXX Nationstar Mortgage from Texas purchased my mortgage and then it began. The very first payment to Nationstar, I submitted my mortgage payment of {$1200.00} and Nationstar unilaterally decided to take from my mortgage payment {$62.00} for an escrow account, THERE ARE NO PROVISIONS IN MY MORTGAGE TO DO SO. So the writing campaign began - after several months they stopped tatking {$62.00} from from my regular payment but did NOT credit my account, therefore, from this time forward because of this my regular payments became late. I send to them each and every month my payment by Certified Mail and I have NEVER been late and/or missed any payments. I have in my possession copies of all my cancelled checks back to XXXX XXXX. Next fee to appear on my statement is a Property Inspection fee of {$60.00} - I live in Pennsylvania Nationstar is in Texas - when I inquired they wanted to make sure I was taking care of my hone! Next they " force '' me to purchase Flood Insurance for the year XXXX and XXXX it must be {$250000.00} - Flood Insurance is NOT in my mortgage agreement, I only owe {$140000.00} plus the courts have ruled you can not do so - I am a member of this Class Action ; did not matter I personally purchased Flood insurance approximately {$500.00} for each year. I have written to them by Certified Mail to Cease and Desist, delete all the fees, including the late charges, and to send me an " Amortized Statement '' of my mortgage account showing a straight principal and interest payment - to date they have refused. Requested an appeal procedure, such as arbitration, no response, no appeal procedure and no arbitration ; they just keep sending from letters, each time from a different person. I want to refiance my home because my interest rateis 8.9 % and I know it is NOT being caculated correctly ; with this on my credit record it is hopeless! Bacically, Nationstar " Unilaerally '' ignored the sign Mortgage Agreement and simple forced placed their " own '' rules.

Company response to consumer: Closed with explanation