milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: My  credit score w  ith  XXXX   is  XXXX , with  XXXX  it is  XXXX . When I applied for a ne w   Venture Capital rewards card yesterday ,  XXXX / XXXX  /2017, they  insisted my score was not good enough at  XXXX . My  credit score  has never been that low. When I tried to speak with them, the representative insisted my score with   XXXX    was now  XXXX  when in fact it is  XXXX . The representative also insisted I had to use thei r "   XXXX   XXXX   '' site to  " repair '' my cre dit.   Venture pre-approve d me for the credit card I applied for, then denied the credit saying my score was too low. To date,  XX/XX/  2017 a t   XXXX   XXXX  , their representatives have given me  XXXX  incorrect credit scores and insisted I enroll in "  XXXX   XXXX  '', a service owned and run b  y Venture Capital. T  his kind of action feels like a complete scam. They not only have wrong information but they seem to be unwilling to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Making/receiving payments, sending money

Complaint: XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.

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 12/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.

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 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Mortgage) with Experian Information Solutions Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX/XX/2014.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: After losing my job around XX/XX/XXXX, I was struggling to get by. Then XXXX XXXX destroyed my house in XXXX Georgia on XX/XX/XXXX. My wife and XXXX small children spent two  months in a hotel before finding a rental. Our insurance was paying for the rental until XX/XX/XXXX. On or about XX/XX/XXXX we contacted Wells Fargo property loss department to get get two checks endorsed for the completion of our house. We explained to XXXX XXXX our situation on timing and we 're told she would get it so we could have the checks endorsed in a branch instead of mailing them in. After attempting to contact her several more times over a two week period we talke to XXXX XXXX on XX/XX/XXXX. Who told my wife and I that the people in the property loss department INTENTIONALLY LIE to the customers about issues like that. This was on a recorded line. After explaining that we were out of time due to the rental constraints we talked to XXXX XXXX on XX/XX/XXXX in the executive complaint department. Our checks were still not endorsed and the builder was going to put a lien on the house. We talked to XXXX on XX/XX/XXXX and he advised to send in the checks but at this point we were already out of time. We can not get our personal property out of storage and are being charged {$2000.00} for rent and {$1400.00} for rental furniture and housewares. Talking to XXXX on XX/XX/XXXX the checks are still not endorsed and they will not pay for the costs we accrued because of their lack of action. We are still waiting on resolution. We have XXXX children ages XXXX and XXXX. Our XXXX year old son who is XXXX in the XXXX this home is his permanent address. Wells Fargo still refuses to help in any way.

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 04-05-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They are reporting to my credit that I have late/missed payments when this was discharged in BK in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  2016    XXXX   XXXX     XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  ,2016   XXXX   XXXX   XXXX   XXXX   (   XXXX  ) Various Dates  XXXX  (  XXXX  ) Various Dates So you explain to me that this inquiries are factual in which they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never received a written notification from Blakely-Witt an d Associates, Inc. t hat I owe   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX .   More importantly, I have never received any written notification from them , Blakely-Witt and Associates  that is, advising me of my right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I submitted a certified letter to Transunion disputing inquiries on my credit file. " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ''. I also contacted Transunion by phone to try and resolve the issue. I have since received XXXX credit reports from Transunion dated XXXX XXXX, 2016 and XXXX XXXX both reports are still reporting the incorrect information.

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 02-06-2017 about Bank account or service (Other bank product/service) with First Data Corporation (CA).
Issue: Account opening, closing, or management

Complaint: First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. 
XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. 
I contacted First Data and explained the situat

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 01/20/2016 about Debt collection (I do not know) with Io, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. 

In the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt '' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Thet are reporting old address on my credit file that were never mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report.
The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX and Equifax are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the past seven years, I have diligently repaid my federal Direct Subsidized and Unsubsidized student loans each month. I have never missed a payment. I have stayed in good contact with my service provider. I have never deferred or been in forbearance. When I can, I pay more than what I owe each month in a sisyphean attempt to repay my loans faster. 

In those seven years, my service provider has changed at least three times. Currently, both of my loans are serviced by Navient. 

At every turn, Navient has been unhelpful, rude, cruel and has made it as hard as possible to make payments, to reach them, to ask simple questions and to get crucial information about my loans. Currently, they refuse to accept a payment via debit card, over the phone or on their website. The flimsy reason they offer is that my account does not have an outstanding balance, though I should be able to repay my loans at any time and in any amount, regardless of what is outstanding. I should never be punished for making payments on time every month. They also refuse to allow me to apply my overpayment directly to the principal balance, or to XXXX loan specifically, as is my right. It feels illegal, icky and wrong. 

In light of the lawsuit filed on XXXX XXXX, 2017 by the Consumer Financial Protection Bureau for " failing borrowers at every turn, '' I would like to share my experience in the hope that it strengthens your suit against this vile company, who feeds off the misfortune and ignorance of XXXX 's educated young people. I will call your attention, specifically, to this paragraph from the press release regarding your lawsuit : " [ Navient ] Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrower 's payment and follow instructions from the borrower about how to apply it across their multiple loans. Navient repeatedly misapplies or misallocates payments -- often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company. '' I am XXXX of the borrowers they have failed in this regard and I want out. Immediately. I want them to be held responsible for failing me and others like me and I want my loans serviced by a company that does not prey upon its customers like lions on weakened gazelle. 

Given the atrocious level of service provided, the pending CFPB lawsuit, the current-good standing of my loan status and my impeccable credit score, I have formally requested to change service providers through the Ombudsman of the Department of Education. Though, I 'm sure there will be a XXXX reasons why I do not have the right to make that choice. 

Please take Navient to court and represent all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!

Company response to consumer: Untimely response
Consumer complaint received 03/20/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector keeps on trying to call my father even though they have my number

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 EQUIFAX, INC. (MD).
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: Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

Company response to consumer: Closed with explanation