milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: I 've recently updated my mailing and email addresses with the credit card company online. This raised an identity/security alert on their system. In the past when I have taken such action, I 've gotten a phone call or something in the mail confirming that. However, this time around the company wanted me to email or mail in copies of my documents ( SS card, DL License and utility bill ). I found the request to be a bit unusual and raised security concern on my end. I do not feel comfortable sending such info. to them ; and asked to cash out or credit my earned " cash back/rewards '' balance towards my outstanding balance. They refused to work with me on that stating that the account has pending ID verification concerns. I offered them an option mail the check to the previous ( original ) address or verify the info. over the phone ( unchanged ) to which they refused. I 've made the payment for full outstanding balance on my account and there is no pending balance whatsoever. However, when requested via customer service phone number the credit card company wo n't allow me to close my account. I have no intention of using the card again or do any business with the company and therefore I see no reason to leave the account open which could have negative impact on my credit history/report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a fixed principal student loan with a fixed interest rate and a fixed monthly due date. I have made every payment prior to the due date. I have never been late and never incurred any fees or penalties. Nelnet sent me a notice that my monthly payment is increasing because my loan has been " re-disclosed. '' They say I have not paid a sufficient amount toward the principal because of the way Nelnet has applied my payments. How can Nelnet short pay my principal due if I have been early with every single payment? If they are insufficiently applying my payments to principal as per the agreed upon loan schedule, that is their poor accounting. 

I have written to Nelnet via their website with no response. They say it takes 5 business days to respond. It has been over 10 days. 

I have written Nelnet again directly by e-mail and they have not responded. 

Customer service on the phone knows nothing other than my loan has been " re-disclosed. '' If they scam me for $ XXXX, $ XXXX, that is {>= $1,000,000} in annual fraud based upon only XXXX XXXX loans serviced. That does n't account for the XXXX of accounts they say they service and it does n't adjust for any future improper re-disclosures they may decide to invoke. Re-disclosure on a timely paid account is a scam and a fraud. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 
As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 

COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Settlement process and costs

Complaint: I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Transunion. THIS WAS A IDENTITY THEFT CASE. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY 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 07/30/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I became ill several months ago, following that my father became ill and then XXXX. I tried and did make payments to comenity, however it became impossible and I tried to arrange payments, they demanded large payments, made me cry. I just lost my father and they called and demanded a huge payment, then I get turned over to a collection agency for over twice the limit of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax reported back to me that the inquiries were verified. I have XXXX inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) in which I did not give permission neither time. The XXXX time in XXXX, they " assured '' me that it was only an internal check to see if I would pay a deposit and that It would not even hit my credit report ( not even as a soft pull. ) Well, it did and the XXXX in XXXX is totally bogus, I did not give them permission to pull at all ; did n't even have a discussion with them about my credit since XXXX when I signed up for service. I have checked some forums to find that this is an epidemic with comcast which is why I am a part of the class action suit that is now against them for this very reason. XXXX XXXX, which has pulled my report under the name XXXX, also told me ( in their XXXX XXXX location in XXXX, TX ) that the pull would be " internal '' and would not hit my credit report because, as stated by the rep, they provide in house financing and would only be checking to see how much i would qualify for and that it was not an application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I find it interesting and not a coincidence that Nationstar did an escrow analysis on my account AFTER I filed a complaint on XXXX. complaint # XXXX. When I checked their website before I filed the complaint on XX/XX/XXXX, it said my next escrow analysis would be XX/XX/XXXX. Before XX/XX/XXXX, it showed the next escrow analysis would be XX/XX/XXXX. So why was one completed AFTER the complaint was filed? Why did the website show the next one would be completed next year XX/XX/XXXX? I am sorry but I XXXX! 

AFTER I submitted the complaint and right after they responded, on XXXX, on XXXX they did an escrow analysis. So I do n't believe this is a coincidence but rather a result of filing a complaint against them. 

so now my payment is going up again by almost {$100.00} which again defeats the purpose of the modification, my payment is now higher then before it was modified. If I dont make the full payment then I get kicked out of the modification program and my house goes back into the Foreclosure process. How is this helping homeowners stay in their homes???? 

They cant admit they are wrong EVER and still refuse to prove that a lower interest rate was given over the phone multiple times. They have the proof in their phone recordings but refuse to provide that proof because they know they are wrong. Yes the modification paperwork was signed but again phone records should prove that this was still in question but due to the shortest timeframe ever, there was too much of a risk of losing the modification while the interest rate was still being disputed. which I was reminded of multiple times over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: On XXXX XXXX I contacted your service center to learn how I might re-instate my expired miles. I was told that I could pay {$500.00} OR I could apply for a Chase XXXX Mileage credit card and if I was approved for a credit card I could enroll in the Knowledge Plus Challenge and would be credited with {$500.00} that would be applied to reinstate my miles. Since XXXX " noticed '' me at the beginning of that call that it would be recorded, I also recorded the call. I have a copy of that call that I can forward at your request. I applied and received immediate approval for the credit card. When I attempted to enroll today in the program I was told that there was no {$500.00} credit I would receive but I would be charged {$500.00} to reinstate the miles. Why would I go through the hassle of applying for the credit card if I was not going to receive the {$500.00} credit? This appears to be a classic bait and switch by XXXX XXXX and Chase. Noted below is the email response from XXXX XXXX : Dear XXXX XXXX, We 're sorry for the confusion and the inconvenience this may have caused you. 

There are few options to reinstating your expired miles : Buy back - You can buy back your miles. The cost will be depending on the amount of miles that expired. For your XXXX expired miles, this will cost {$500.00} to reinstate it back. 
Register and fly - Register for {$500.00} and then complete qualifying round-trip travel on XXXX or XXXX XXXX. You must register within 18 months of your mileage expiration date, and complete travel within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles can be reinstated with this option. 
Register and use a MileagePlus ( R ) Visa credit card - Register for {$500.00} and then use a new or existing MileagePlus Visa credit card to make a purchase. You must register within 18 months of your mileage expiration date, and use your card within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles may be reinstated with this option. 
The agent might have not explain further the terms and conditions for this offer. 

Since we are unable to waived the registration fee via the MileagePlus Service Center, please contact our Customer care at XXXX. 

Whenever possible, we try to accommodate our customers ' requests and are sorry that we can not do so in this instance. We value your business and look forward to serving you in the future. 


Regards, XXXX XXXX XXXX MileagePlus ( R ) Service Center

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit card protection / Debt protection

Complaint: I recently moved and notified my credit cards. Nonetheless, when I attempted to use my Chase card in my new neighborhood, it was declined. When I called them to inquire, they sent me a text message. I am XXXX XXXX XXXX, using text messages is difficult for me. I am disgusted that I did everything properly and still had to go thru this hassle

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Delinquent account

Complaint: I believe that American express is reporting inaccurate information on my credit report. When I disputed with them directly they never conducted an investigation regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was XXXX for this credit card and Capital One is still listing on my credit file as they are collecting which is a violation of my rights. I have disputed this with not even a response. Please help this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: In XXXX of 2016 I started a XXXX loan modification process with Nationstar Mortgage. When the final papers were drawn up they were inaccurate. They stated I was involved in active bankruptcy proceedings, which I am not, and that the beginning balance of my loan was XXXX, which it was n't. When XXXX XXXX transferred my loan to Nationstar my balance was XXXX with XXXX in escrow for taxes and insurance. I highlighted and corrected the errors and faxed the documents to Nationstar on XXXX XXXX, 2016 and they said they would look into it. Since that time I received a letter stating that my beginning balance was actually XXXX and was sent " amended '' paperwork to sign to finalize my modification and they were the same, and had not been corrected. I called and was reassured they would take care of it, which they have not done and they continue to robocall me morning and night and when I talk to the representative they are not aware that I am the XXXX waiting for them to correct their mistake. In the meantime I have made all my trial and modified mortgage payments on time. My XXXX counselor suggested I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (FL).
Issue: Managing the loan or lease

Complaint: I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with explanation