milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without consent to apply for a credit card with XXXX XXXX. That application resulted in an inquiry into her XXXX credit report XX/XX/XXXX. XXXX 's was notified of this in an official dispute XX/XX/XXXX however as of this date XXXX 's has not replied to our client with the status of the results of that dispute as is their obligation under the FCRA.

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 03-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Cash advance

Complaint: I had a family emergency last week and I had the ability get an emergency pin number on one of my AMEX credit cards. I have XXXX. The card for my business had a credit line of {$500.00} because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of {$2000.00} to my AMEX business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AMEX blue could not be advanced, even though I just paid it off in full -- $ XXXX. I think it was because that particular card did not allow for cash advance Amex attempted to pull the credit over to the business card, but could not. The way it was explained was that there was an internal issue. Unbeknownst to me Amex had improperly and without disclosure ran my credit report and received a score of XXXX. Mind you, I just paid off a series of credit cards so this credit hit came at the worst time possible. I just got the denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.

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 11/30/2015 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Discover Student Loans will not give me the name and address of an agent for a service of process in California so that I can initiatiate an adversary roceeding.

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

Complaint: I have been paying on this loan since XX/XX/2013 and the balance is still $ XXXX, my monthly payments continue to increase without any explanation, a representative told me this morning that I could save {$8.00} if I enrolled in automatic draft from my Savings account. My car payment is cheaper than my monthly loan payment and my balance is not changing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credco -  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  Please remove these inquiries.

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 01/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Consumer Portfoilio Services Filed a false XXXX to the IRS claiming a debt that was not theirs

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Fraud or scam

Complaint: Rushcard was supposed to do an update Monday XXXX XXXX supposed to take a few hrs. They did n't even email me or I would have canceled my direct deposit. Now it 's weds. I was supposed to get paid tues. Come Thurs my car insurance will be canceled. I will be high risk because of them FOR LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Customer service / Customer relations

Complaint: I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Financial Protection, I am writing and lodging this formal complaint over what I believe is my mortgage company, Nationstar Mortgage Company ( " Nationstar '' ) deplorable and likely illegal conduct in refusing my monthly mortgage payment ( as will be detailed below ) to create a situation that allows them to foreclose upon my house even though I can make my payments. 
By way of background, I had been speaking with Nationstar on regular basis in regards to my account. In XXXX XXXX I was instructed by Nationstar to make a payment through XXXX XXXX XXXX XXXX for XXXX, XXXX. I made the payment on XXXX XXXX, XXXX which covered the month of XXXX. I called Nationstar and informed them that the payment was made ( keep in mind I was only a month behind in my payments ). At that time Nationstar instructed me to make XXXX payments in XXXX which would have brought me current. XXXX XXXX, XXXX I went to the XXXX XXXX to make a payment I only had the money for XXXX 's payment, Nationastar would not accept the funds, and then they ( Nationstar ) returned the payment I had made in XXXX. 
So now not only am I calling everyone including XXXX to get answers and explaining if Nationstar just have accepted the payment I would not be in this predicament today owing over eight thousand dollars. Nationstar has made this situation worse than it was. Also, Nationstar has stated that I owe for the month of XXXX I have sent them several copies of my payment, and they refuse to note that to my account. Today I am facing all types of mortgageproblems. Nationstar is refusing to assist me stating that they have given me XXXX modifications. The only modification I can say I agreed with was in XXXX after a terrible divorce. I was unemployed in XXXX XXXX until XXXX XXXX. XXXX XXXX I went to the hospital XXXX which caused to some hardship in mortgage payments. But, never did Nationstar assist me with XXXX modifications. 
It is clear that Nationstar is aware that I have a good deal of equity in my house ; that is why I believe ( as does my attorney ) that Nationstar is being so aggressive in creating this situation and why, over a relatively small sum ( now about XXXX mortgage payments ) they are refusing to work with me. As an aside, even though my finances are tight, Nationstar 's conduct has resulted in my having to retain a law firm who has experience in obtaining loan modifications in Maryland. He too shares my view of Nationstar- please compel them to explain their actions and also to allow me to have my attorney submit my full loan modification package, which is all together and ready to go but Nationstar refuses to review.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

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 01/30/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Balance transfer

Complaint: I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (IN).
Issue: Problems when you are unable to pay

Complaint: At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.

Company response to consumer: Closed with explanation