milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I have been given the run around from XXXX when I call and this company who has acquired my loan. I purchased this car under fraudulent conditions. This loan was purchased from XXXX XXXX XXXX. The balance and due date change is incorrect and has me delinquent. Also I was not notified of the salvage title on this vehicle. XXXX XXXX XXXX did not notify this company of the issues I had been having and am having with this vehicle. This vehicle lost power steering, leaks gas, and oil, and should have been addressed. I called XXXX and was advised they have no knowledge of the salvage title. I have brought this car to several dealerships to trade in on another vehicle and have been advised they were unable to trade this vehicle in due to the XXXX. I am at my wits end as XXXX has filed bankruptcy and everytime I call them they direct me to the new company who advises me they have no knowledge of any of this. I want all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligible in protecting my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2016 at approximately XXXX, my mother in law contacted me to tell me that a bill collector called her and threatened to take her to court and garnish her bank account over a bill that my husband and I owe. We have never put our mother in laws name on any bills that we have. She was hysterical believing that this would happen over our bill to her. She gave me the following telephone number XXXX which I called finding out the company 's name is Diversified Consultants. I asked them why they would call an individual who is not on our account and disclose personal information at which time I was told that the individual responsible would be reprimanded and that the phone number was taken off of the account. I asked them how they got her telephone number in the first place since she is never on our bills at which time I was told that the individual may have looked at different phone numbers to find a family member. I was then asked if I wanted to take care of the past due amount where I flatly answered no.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (OR).
Issue: Settlement process and costs

Complaint: I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Payday loan) with Diversified Recovery Services Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: diversified recovery systems keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and XXXX is still trying to collect the original amount.

Company response to consumer: Untimely response
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XX/XX/XXXX  debit icon   XXXX   XXXX     XXXX   XXXX  Va    XXXX   XXXX     XXXX    {$11.00} XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va  XXXX  {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX    Va   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  debit i con    XXXX   XXXX   XXXX     XXXX , Va Us  XXXX  {$10.00}  XX/XX/XXXX  atm icon *  XXXX     XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  atm icon  XXXX   XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$3.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$100.00} XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   {$3.00}  XX/XX/XXXX  atm icon   XXXX   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$83.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$300.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   {$16.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va   XXXX   XXXX   XXXX   {$2.00} XX/XX/XXXX atm icon   XXXX   ATM Withdrawal {$160.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   , Md   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  atm icon * XXXX   XXXX , Va Us ATM Withdrawal  XX/XX/XXXX  Branch Banking And Tru  XXXX , Va U ATM Withdrawal {$200.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   , Va   XXXX   XXXX   XXXX   XXXX   {$8.00} XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00} XX/XX/XXXX atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$120.00}  XX/XX/XXXX  atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$100.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$160.00}  XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX atm icon   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$82.00}  XX/XX/XXXX atm icon @   XXXX   XXXX   XXXX  , Va Us ATM Withdrawal {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from 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 non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation

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 07/22/2015 about Debt collection (Credit card) with Northeast Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attend XXXX and graduated in XXXX, and like most people my age I live at the poverty level. XXXX assumed my loan from my old loan holder in XXXX of XXXX and have been nothing but a problem to work with. I have submitted paper work for a IBR with XXXX or Utah XXXX XXXX Assistance XXXX 3 times and they still have not applied it to my loan. Once I submitted it through the mail and they subsequently lost it. The next 2 times I submitted it through the electronic data base on studentloans.gov and I have given them 60 days to process the paper work. I asked for a deferment for XXXX XXXX, XXXX payment during this time to apply to the loans and was assured it would go through by a customer representative from XXXX. I opened a letter this morning, XXXX XXXX, XXXX from XXXX that shows I am 11 days delinquent for the loans that I was told I would have a deferment on.

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 01/19/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX XXXX, 2006 I took a home equity loan from Wachovia bank, ( now Wells Fargo ) in the amount of {$120.00}, XXXX at an interest rate of 7.8 %. I have in several occasions requested to renegotiate the loan for the purpose of getting a lower interest rate. My monthly payment is {$1000.00}. After making payments for the last 121 months ( {$120000.00} ) my loan balance is now {$100000.00}. This means 95 % of my payment went to pay the interest. I find this outrageous and I hope you can help me get a lower rate. Thanks XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XX/XX/2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?

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 01/23/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just received my results from Transunion CRA and my results against XXXX XXXX   XXXX are still being reported on my credit report Transunion started investigation on XX/XX/XXXX today is XX/XX/XXXX the results are still the same I dont know what kind investigation they did but its a poor one I started back in XX/XX/XXXX disputing this company XXXX XXXX XXXX I wrote letters to them I wrote letters disputing with Transunion according to section 609 of the FCR a if there is not a original signed contract you have to delete the information from the credit report this company does not have any information on me with an original signed contract nothing with my signature on it I am putting in another complaint against Transunion and XXXX XXXX XXXX with CFPB. I informed Transunion that they had my sisters name on my credit report, I will continue to put complaints in until this matter is resolved. I have documentation on an account that XXXX XXXX is reporting that is deleted Ive shown them this information as well as all three CRA. Im fighting for every consumer that has issues with XXXX XXXX XXXX ... Im not done! This complaint is against TRANSUNION

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