milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with Brennan & Clark, Ltd., LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am getting calls from a company called  " Brennan & Clark LTD ' ' and informed to call back "  XXXX  '' to speak with a specific individual there in regards to a debt that I do not have with this organization.     I have looked over my credit report and nothing shows of an outstanding debt nor this organization at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX    They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To Whom It May Concern, I have a collection account on my XXXX credit bureau file from the company, EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, account number listed as XXXX. Please be advised that I am disputing this information due to the fact that EOS CCA does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have continuously received several phone calls from XXXX XXXX in regards to my Captial One credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. Capital One can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with Synovus Bank (AL).
Issue: Credit card protection / Debt protection

Complaint: The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the XXXX account listed on my credit file XX/XX/XXXX. Experian responded stating they updated information. When I reviewed the information the payment history on the account makes no sense. The report the account with late payments in XX/XX/XXXX then charged off in XX/XX/XXXX then suddenly begin reporting late payments again of 180 days late XX/XX/XXXX-XX/XX/XXXX the suddenly begin reporting the account as a charged off account again XX/XX/XXXX. I had no idea that an account could report as charged off and report this way for many months then suddenly begin reporting late payments again years later. So I sent a second dispute in XX/XX/XXXX pertaining to this account and Experian responded stating they believed it was a suspicious request and they were n't going to address the matter. However, after reviewing my credit report tonight on line with Experian, I noticed that more information still changed pertaining to this account even though they were n't going to address my concern, the still allowed XXXX to report more inaccurate information. This time, the account reports as a late for XX/XX/XXXX-XXXX then charges off. It then begins reporting the account as 180 days late XX/XX/XXXX-XX/XX/XXXX the marks the account as a charge off XX/XX/XXXX, the again begins marking the account as 180 days late for XX/XX/XXXX and XX/XX/XXXX then again the account begins being marked as a charge off again. This is different than what XXXX shows and either way is completely illegal and only takes common sense to realize the account is misreporting. RAther than sending me back a letter stating that they suspect suspisicous acitivity with me, the should be suspecting suspicious activity with XXXX and the way they continue to report inaccurate and illegal information. I 'd also like to dispute the social security number reporting on my credit report that I 'm just now noticing ending in XXXX because that is not my social security number. I 've already provided Experian a copy of my social security number and there is no reason for a XXXX to report on my credit report other than the XXXX they have proof of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was getting phone calls from a debt collector and now I looked at my credit report and there is an address in another state I never lived in and is not me .A charge card owes XXXX that I never took out. The adverse account on the charge card has the same date as the date phony address was reported. I need this off my report as evidently it a a case of fraud.

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 10/25/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Struggling to pay mortgage

Complaint: I have tried several times to modify my house with Penny Mac and they are not willing to work with me on modifying my home.. I am on XXXX and I need my mortgage payment and interest rate reduced based on my income Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MS).
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: I received a letter from Ally after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with GMAC/ALLY AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the Ally is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other transaction problem

Complaint: Hi, We stay in  XXXX  and worked with a legal professional registered with  XXXX  of  XXXX  to help our brother migrate to  XXXX . We paid his service fees on   XXXX   XXXX   XXXX   from our bank  XXXX   XXXX    XXXX    XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  in  XXXX  and as the money was in USD it had to be routed through BANK OF AMERICA in USA. On   XXXX   XXXX   XXXX     our bank told us the money has been held by Bank of America as there were some  XXXX  entries missing from the recipient 's side ( Recipient 's name, occupation, address, residency status ) so we got this information and passed it to our bank and they forwarded it to Bank of America, then a couple of days later we were told by our bank that Bank of America has held the money under suspicion of an International Bounced Cheque list by my brothers name while my brother has never issued any cheques internationally or locally which can be verified by our bank in  XXXX .  <P/> The issue is the Invitation to Apply for  XXXX  PR is only valid for 90 days and coming  XXXX   XXXX  this invitation will expire and till date Bank of America has not responded to our plight via our bank. We tried to call bank of America Mr  XXXX   XXXX  from Bank of America Investigation and the person told us that we are not allowed to speak to anyone from the investigations department.  <P/> Seeing our time being critical we requested cancellation of this transaction about  1  week ago but Bank of America is not responding to our bank or us claiming pending investigation, so we made another payment via  XXXX   XXXX .  <P/> Kindly help us to get our {$3900.00} amount and we do not reside in USA to be going after Bank of America.  <P/> Thank You

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 monetary relief
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Response is Fraudulent XXXX Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Payday loan () with GVA Holdings, LLC (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with MacDowell & Associates, Ltd. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!

Company response to consumer: Closed with explanation