milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Mortgage (FHA mortgage) with Quality Loan Service Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. 
On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. 
Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. 
Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. 
Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Payoff process

Complaint: I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Related OPEN Cases : CFPB # XXXX TO WHOM IT MAY CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX and whomever else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE 2 DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX XXXX AND LETTER TO XXXX XXXX XXXX XXXX THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO ABUSING MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the XXXX XXXX XXXX XXXX requested the letter I attached below Thanks Respectfully and Sincerely, 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 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint is against Transunion and XXXX credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my Transunion and XXXX credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX XXXX, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.

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 12-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with EQUIFAX, INC. (TX).
Issue: Delinquent account

Complaint: This account has been on my credit report for over 7 years. I have sent the company letters in the past asking them to send proof that this was my account. To this day I have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: The Experian Web site has repeatedly declined my requests to add a Security Freeze to my Experian credit file. First, for consumers like me with an Experian online account, information on adding a Security Freeze is difficult to find when logged in. Despite highly visible information on how to lock ones credit file ( at $ XXXX/mo. ), theres no upfront information on how to freeze ones file ( one-time {$5.00} fee ). Instead, the customer must search deep into Support information to learn about Security Freezes. This may increase the companys revenues by channeling customers to the higher cost option, but it provides a disservice to many customers who need only a freeze. After finding the online application to add a Security Freeze, I completed it, but it was declined. ( The application and decline are hereby attached for reference. ) Instead, I was asked to mail in a hard copy application. Because a mail-in application entails significantly more time, effort, and cost to me, and because I would thereby expose my sensitive personal information to additional risk of theft, I demand the company fix their online application process, so that a Security Freeze may be added securely and expediently by electronic means. I wish also to refer to my CFPB complaint # XXXX, in which I document how Experian Web site errors recently prevented me from monitoring my Experian credit report, as an another indication of how poorly Experian is serving consumers.

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 11/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: My credit limit was automatically decreased by Synchrony without notification increasing my ratio of used credit vs available credit and impacting my credit score.  Their site offers alerts for any issues or upcoming payments, but I was never notified of an issue even though I signed up upon approval. When speaking with their representative they cited reasons that would have been readily available to them when my application was initially processed as the reason for my limit decrease. If that was the reasoning my limit should never have been falsely inflated at the time of application. This is a predatory company that counts on people spending credit that will simply be taken away within a few months of opening the account regardless of the account standing or payments received.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: XXXX and Experian are not updating my credit report for one negative item. XXXX and Experian keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXXto confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and Experian " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.

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 07/26/2017 about Checking or savings account (Checking account) with KEYCORP (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had my checking account with key bank for almost a year and my account got closed for no reason.and now its been a month after my account got closed.and key bank refuses to send my balance they tell me i have to wait another 30 days for me to get my money.it is against the law to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Despite the fact I inly have one loan payment a month, navient chose to report it when late as not one late payment, but as multiple late payments breaking down my student loans into as many smaller loans as they could report. They literally destroyed my credit history in two months, just in the past month my score dropped XXXX because of their reporting practices. This not only impacts my day to day life, but also my ability to actually repay the loans -- mostly because now I 'm forced to pay higher rent on a XXXX appartment and that means less money a month to put towards anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid {$1.00} for a credit report from EXPERIAN and have been billed {$14.00} for the last 8 months without my clear understanding that this was what I was agreeing to on the day I paid for the {$1.00} credit check. This was not clear on the web site that offered a {$1.00} credit check, all they were really doing was phishing for my CC number to scam {$14.00} from me as long as they could before I caught it. This is deceptive and predatory aimed at the elderly and young and needs to be stopped and they should be criminally charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax failed to provide me with the adequate documents they have on file to verify the accounts I have disputed. From my understanding the credit agencies have 30 days to respond to my disputes. Being that the 30 day mark period has expired without a proper investigation or proper verification of the accounts should promptly be deleted as per FCRA section 611 ( 5 ) ( a ). I would really appreciate if you could take care of the matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: On Thursday, XX/XX/XXXX, I spoke with XXXX XXXX from the Executive Office of Wells Fargo in reference to the investigation and complaints. <P/>My main concern now is that it took over seven- ( 7 ) months to inform me that the appeal was not even done because Wells Fargo states that it was not received in their office prior to the TWENTY- ( 20 ) days for review. <P/>I submitted a USPS receipt from the certified mail that I sent, date and time stamped onXX/XX/XXXX XXXX the twentieth day ). XXXX XXXX informed me that they did not receive it byXX/XX/XXXX within the twenty day time frame. I informed XXXX XXXX that the appeal was sent within the time frame and she replied that Wells Fargo must receive it by the twentieth day to be reviewed immediately and that it violated their rules if it was sent by the twentieth day. <P/>In conclusion, I believe that Wells Fargo did a bias investigation and worked around the evidence that I have to provide the CFPB with their conclusion.

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 01/26/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX Equifax and XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my credit score dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that Equifax and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my Equifax score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted the debtor to let them know that an attorney was handling the medical bills as a result of an accident. It took months to resolve but was eventually paid in full by the insurance company. The company continues to report negative information on my credit report and I have contacted them through the XXXX main XXXX and they have refused to remove.

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 12/22/2017 about Debt collection (I do not know) with CNG HOLDINGS INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX  XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.

Company response to consumer: Closed with explanation