milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Delinquent account

Complaint: A couple of years ago, I made a XXXX purchase on a Target Credit Card at Target. {$35.00}. 
I then went o XXXX until XXXX. I found the {$35.00} in the mail upon return, now being charged $ 100+ in late fees. I paid it in full after getting one month payment voided, then tore up the card and forgot about it. Recently I learned that this is the only delinquency on my credit report, and that the amount is not specified, classified as a " serious '' delinquency, and XXXX tells me it will be on my report FOR 10 YEARS! Nothing they can do, nothing Target can do, so they say. Can you change this? Can you get effect a rule change whereby delinquencies below a certain amount are treated less severely, like under {$100.00}, must come off the credit report once paid, and maybe a sliding scale based on the amount and time of debt owed, like $ XXXX-2 years, XXXX $ +, 5 years, etc. Please respond, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My payments are being applied to the interest instead of splitting it between the principal and the interest. My loan has also increased XXXX and there is no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (DC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: AMENDED CONSUMER COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX NV XXXX just mail me a copy of my credit report snapshot which i did not requested i have mailed certify latter that they violate federal Law releasing my credit report with out my consent they need to pay the damages described by federal code regulation sharing my credit file with 3 parity for profit with my aware about with out my consent with out my signature it is absolutely a violation of federal statue i lost my credit score i lost my job i have additional hard inquires in my credit file which drop my score from XXXX to XXXX. i want CFPB to admit my complaint on my behalf in federal court in Washington and let the court make decision on it. thank you.my credit report was requested by XXXX county State of Nevada with out my consent Family support Services Division took loan on my behalf under my social security with my consent with my knowledge with out my signature it is Fraud by county and State of Nevada it is punished able by federal law i was those people held accountable for wrong doing by checking my credit with telling me with my consent i there making threat against my false arrest to put me in jail they where sending me lattes to revoke/ cancelled my driver license which i need to drive to go religion places for my religious pick up my kids from school i have to pay them because they where threatening to revoke my lic i did not have food in my house to feed my kids because i lost my job because of this problem i did not have job i have no paycheck because i am XXXX person my XXXX on appeal that loan they took on my name need to e removed that loan account status should be removed from my credit file and status should be paid in full or never happen. 


XXXX XXXX. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I had filed a claim with Wells Fargo Bank about a mysterious {$2300.00} that was debited out of my account on XXXX/XXXX/2015. They closed my claim and never gave me back my money. On XXXX/XXXX/2015, I went in to get a cashier 's check for an entertainment lawyer retainer to start a record label. The check was for {$2500.00}. I got this because I did n't feel safe walking through downtown XXXX with that much cash. I DID NOT withdraw {$2300.00} two minutes later according to my bank statement. I DID NOT want to carry that much cash around with me and filed my claim 28 days later when it was discovered on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received a letter from Wells Fargo stating that my claim was closed. I still have not started my record label over a year later because the money that Wells Fargo took and never gave back, was supposed to be for filing my " XXXX '' XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The representative from this company contacted multiple friends and family members repeatedly to get us to contact them in a matter of 4 days time. This was even after I contacted them the FIRST day they called. I was spoken to with very ride, aggressive, and harsh language! I asked them to stop contacting friends and family, as well as my husband and I. They then threatened calling my husband 's work and filing a judgement.

Company response to consumer: Closed
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a XXXX account listed on my Trans Union, XXXX and XXXX credit report that opened on XXXX XXXX, XXXX and was XXXX. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my XXXX and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX/XXXX. I Trans Union, XXXX and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.

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 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Sale of account

Complaint: When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to XXXX and Experian intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.

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 07/23/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.

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 BARCLAYS BANK DELAWARE (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a total of XXXX inquiries on my credit report, but I do not know what 3 of them are.
Barclay 's Bank Delaware - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with Everest Receivable Services Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.

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 05/15/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Trouble during payment process

Complaint: For years, I have submitted my payments electronically. I am a retired  XXXX  with a   XXXX   XXXX  . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records.     And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z.     This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char  ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans.   Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are   XXXX   XXXX   XXXX   ,  XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them.     As a  XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades.     Can you do anything about this or  must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period?     As a retired   XXXX   and a  XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Other mortgage) with Arbor Residential Mortgage LLC (NJ).
Issue: Settlement process and costs

Complaint: I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately. The company has any Signing the agreement or document to show I 'm responsible. 

SENECA MORTGAGE LLC Account # XXXX

Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

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