milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Delev & Associates, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Delev law is currently working an account on behalf of university XXXX. they claim that i owe for a class that i did not sign for and did not attend. they took me to court in XXXX Ohio where i do not live and have never reside. iI did not dispute that i attended school at the university XXXX, through teleconferencing, but i did not take this class, as i Un-enrolled before the time in question. they do not have a signature by me. the judge would not hear me out said that I owed, by the time it went through the court it was inflated from a XXXX dollar debt to over XXXX. The state of Ohio has taken my state tax return for the last 3 years for this, I have paid over XXXX dollars towards this and they continue to state that I owe XXXX now. To make matter worse, they have assigned my account to a XXXX XXXX. The collector will not take my call or my husbands call, when we are available. He is always out of the office. We ask for another agent or his superior, and they state that we have to talk to him that he has final say on the account and they can not help us. WE just want to be done with this, we have made an offer of XXXX to settle, the office of Delev refused, stating that would not be accepted, even though they did not send that to the client for approval. They refuse to work with us only demanding that the balance be paid immediately and nothing else. I asked if I could talk to XXXX University direct, they said no, I asked if I could talk to someone at the Attorney general office they said no. They did n't read me a mini miranda, they did not give me full and complete information about the debt. I feel that they have broken the law in the state of Ohio by not giving me proper information or ability to take care of this. I do not want to deal with this office and request that it be sent either to the original creditor or The actual attorney general office directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've called Transunion when I attempted to get a credit card and due to my name being similar to another individual down in a different city in the same state, they confused me with this person. I have no credit history but I was able to pull a  XXXX  thanks to this other individual. Furthermore, I ordered a credit card and I 'm most certain am believing my purchases and score is   helping the other person and not me. Only through Transunion am I having this problem.
I called again to get my record cleared and they kept telling me to print out a copy of my SSN and ship it to the address, which is absurd to provide something so precious and delicate into a mailbox that can be intercepted without any consent and will not try to sort this out over the phone.
To add insult to injury, I was starting at high school, this other individual had a time share loan taken out and this is n't enough to explain this account is not mine. And only through Transunion does it enter as   XXXX   XXXX   XXXX   comes out clean.       And thanks to checking Transunion, I 'm getting letters from collection agencies for debt that is n't mine and if it get thrown to court, and arrested, I will have to respond back in a defamation case and ask for payment.

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 06-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 had an auto title loan with XXXX XXXX that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to Experian and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.

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 05/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Im under extreme financial hardship due to a serious life threatening medical condition that required emergency  XXXX , multiple hospital/doctor visits and ongoing treatment. I have explained this to Navient many times and simply can not afford to pay my student loans. They call me and email me at lea st 6 to 10  times a day from different phone numbers and it 's maddening. They do it early in the morning, late at night and during my work day and it 's absolutely inappropriate and aggressive. It has caused me so much unnecessary stress that is actually impacting my already fragile state of health.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Account opening, closing, or management

Complaint: I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, Account # # XXXX. 
After a thorough review, it 's my understand per the attached correspondence from XXXX dated most recently, XXXX XXXX, 2016, that pursuant to the request of XXXX XXXX, 2016 ; Equifax was advised to correct the records to read as, '' closed due to bankruptcy, paid in full or paid as agreed ''. As such, as you can see from XXXX correction of XXXX, 2016 via the CFPB, that the corrected status based on standardized credit reporting codes are simply ; Closed, paid as agreed/paid in full ''. 
The creditor in reference here, is not reporting your coded " In Payment Plan ''. In fact, the attached written reply from XXXX ; confirms that XXXX was never included in my bankruptcy, notwithstanding that said bankruptcy was discharged on XXXX XXXX, 2016. 
Please correct/delete the above mentioned agency adverse reporting with immediate effect. 
Please confirm this correction in writing. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We have a GM Card serviced by Capital One. Our last payment due date was XX/XX/XXXX. We set up a payment in full on our XXXX XXXX bill pay for XX/XX/XXXX, and according to bill pay, the payment was mailed in time to be received XX/XX/XXXX. We noticed that the payment had not been taken from our checking account as of the XX/XX/XXXX, logged in to Capital One on XX/XX/XXXX, and saw that a late fee had been charged. We called Capital One on XX/XX/XXXX, and they told us they had not received our payment. We talked to a supervisor, and she suggested that we should make sure our payment is received 5 to 7 days before the due date. That was her only advice. She did reverse the late fee. On XX/XX/XXXX, we received an email from Capital One that they still had not received our payment. As of XX/XX/XXXX, they have charged interest on the account balance. We called XXXX XXXX, which is our checking account, the evening of XX/XX/XXXX, and they asked us if the address had changed. We looked at our statement, and sure enough, the address had changed. XXXX XXXX put a stop payment on the check, and we went on XXXX XXXXs website to make the payment. It processed on XX/XX/XXXX. There is no notice anywhere on the statement to make it obvious that the address is different, and since we use bill pay, we didnt notice the change. We have had a GM Card for almost 30 years, and this is the first time in all that time that the address has changed, and I would call that a big deal. So our complaint is that, 1 ) there should have been a big notice on the bill that the address is different, and 2 ) when we called Capital One, that should have been the first thing they said, hey, weve got a new address. 
We had a similar issue with them last XX/XX/XXXX. Two months in a row, we called Capital One because they had not processed our payment on time and slapped us with a late fee. They had issued us new cards because of fraudulent activity, and we forgot to update our account number in bill pay. They could have nicely said, hey, update your credit card number in bill pay, but they didnt. It wasnt until we filed a complaint with you, and they filed their response, that we saw our mistake. I dont think they would have ever said anything to us about what was causing the problem if we hadnt filed the complaint. 
They dont try to help solve the problem. We cant help but feel that they dont want to point out our errors, so they can collect late fees and interest on their customers. 
We have credit cards with several companies, and this is the only company that we have ever had issues with. And I would also add that until Capital One took over the GM Card, we never had a problem with this card either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.

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 04-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: bank has committee consumer fraud as I have XXXX insurance on the acct XXXX bank for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I do aplication to Credit card Store with and they take almost 10 minute and then to deni

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with PNC Bank N.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2015 about Bank account or service (Other bank product/service) with BANK OF THE WEST (OK).
Issue: Making/receiving payments, sending money

Complaint: In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation