milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.

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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Capital One credit card closed 7 accounts and will not allow us to cash accumulated dollars towards a new XXXX XXXX product

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: Bank of America canceled my recurring payment without authorization, and charged me a late fee.

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 04/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit score is inaccurate it should be higher. There are old information that should have been removed a long time ago. There are inaccuracies in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Unsolicited issuance of credit card

Complaint: From XX/XX/XXXX to XX/XX/XXXX Chase has made three credit inquiries with credit bureaus in furtherance of the issuance of a credit card. On all three occasions I contacted Chase and advised them I had not applied for or requested a credit card. On all three occasions Chase closed the application- although they mailed me a credit card on the first occasion ( which I destroyed ). On all three occasions Chase informed me that the applications originated with Amazon, in connection with their agreement with Amazon. 
On all three occasions Chase informed me that they would withdrew the inquiry and that the inquiry would not appear on my credit report. 
On all three occasions I subsequently contacted Amazon. On the first occasion Amazon believed that the application came from an account primarily used by my son. I spoke to my son and he denied making any application for a credit card. He subsequently closed that Amazon account. 
After the second incident on XX/XX/XXXX I requested a fraud block on my credit account. As mentioned earlier, I contacted Amazon and asked them to research the source of the application however they said unless I had the password to the account they could not reveal any additional information. 
During my telephone call to Chase regarding the most recent incident I informed Chase that although they had previously assured me that the credit inquiries would be withdrawn, they were still appearing on my credit report. Now there are three inquiries on my credit report from Chase. They could not explain why the inquiries have not been removed. 
During my last inquiry with Amazon they asked me to keep my account open so they could run " security checks ''. I subsequently received an email stating that no security problems were found. 
Since the credit card applications seemed to list my current mailing address I am assuming that it is not part of a credit or identity theft effort. I ca n't explain whey it originated but I am assuming that the reason it re-occurs is due to a system program that regenerates the application request when it notices that a credit card was not issued due to the original application. It seems that the system recognized this and that explains why the first two were exactly one month apart ( XX/XX/XXXX and XX/XX/XXXX ). 
The fact that I had a fraud block on my account might explain why subsequent attempts were foiled until the fraud block expired. 
I have asked Amazon to research this but do n't know if they will.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to Portfolio Recovery to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Payday loan) with Regional Processing Services (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.

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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax seems to have released my personal identifying information, including Social Security number and credit card numbers, to unknown persons as part of the 2017 " hack ''. They should compensate me for my time and trouble monitoring and scrubbing information about me in their database in the months to come.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. 

CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (VA mortgage) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2015 we submitted a request for short sale to US Bank for retired clients that could not afford to continue living in a property in XXXX, VA. Since then we have received numerous calls for documentation which has caused us to have to submit documents over and over while US Bank sat on the file. In XXXX I received a call from the mortgage single point of contact stating the documents are all in and the file will go to the negotiator so we can get a decision on the application. Just last week the home sellers received a letter stating that US Bank needs all new documents since the current ones on fie have expired. This is ridiculous since the employees at US Bank explained that they are having implementing the process for handling distressed properties. It seems this process will continue in perpetuity. We need assistance getting this file to completion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Getting the loan

Complaint: I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address and also l stating I have an open collection

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 06/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Real Time Resolutions, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I signed a mortgage for a house at XXXX XXXX XXXX, XXXX FL in XXXX XXXX in XXXX. The mortgage was adjustable rate, and in XXXX, the payments increased from the original {$700.00} to {$1100.00}, which we could no longer afford, and we stopped making payments. We were foreclosed in XXXX, the house was sold at auction in XXXX, though that sale appears to have been nullified, but in XXXX a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in our original response to the foreclosure notice, we disputed that the holder of the original mortgage was not the party who filed foreclosure. Our mortgage had been commoditized and resold during the period which led up to the XXXX financial crisis, and XXXX XXXX, which was XXXX of the plaintiffs on the foreclosure, has since been convicted of manipulating the interest rate index which determined the interest rate which caused our mortgage payments to go up dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GC Services Limited Partnership (MA).
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: I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... 
XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX gave the information to XXXX  They act like I am talking about area XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. 

The scam is this : the student loan contracted by XXXX  makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am set up to pay a set amount for my loans every month to Nelnet, my loan servicer. This amount is autodebited. A few months ago, I decided to pay an extra {$1400.00} at my loan on top of my usual monthly amount. On Nelnet 's website, I specifically chose to direct the full amount of this extra payment to Loan XXXX, which has the highest interest rate. I also specifically chose the option to NOT have this extra payment postpone my regular monthly due date for the loan. 

However, Nelnet ignored everything. While they put the {$1400.00} toward Loan XXXX, they stopped paying off Loan XXXX for the following months. Meaning that my scheduled monthly payments now only went to Loans XXXX and XXXX This made me accrue {$300.00} in extra interest to Loan XXXX AND ultimately it did not allow me to lower the principle on that loan as I had stated/intended when I paid the extra amount. 

The Nelnet customer service rep I spoke with said that Nelnet wanted to realign all of my monthly payment due dates given my extra payment. However, as I had already told Nelnet, all of that extra money should be given on TOP of the monthly payments, so it should not have changed anything with my due dates. This is a sketchy and dishonest strategy by NelNet to make sure that all loans end at the same time ( which is exactly what I was trying to avoid .... I wanted to pay off my loans in less than 10 years! ) so that they maximize the amount of interest they collect. 

I totally understand that the loan servicer needs to make money to stay in business, but they should not be allowed to ignore direct customer requests/specifications about payments in doing so. This dishonest business practice should not be tolerated by the CFPB.

Company response to consumer: Closed with explanation