milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: There were upwards of $ 900+ on my XXXX XXXX card. I reported fraudulent charges to my card and they say they would remove them. They were removed and I had a positive balance on my card. I was not sent a new card. I then received a new bill with the charges placed back on it with additional fees. I contacted them and they said they would look into it. Meanwhile I paid to ensure that my credit would not suffer. They claimed to of not received any of these and added more and more fees. I have the copies of the bill pay info from my XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Settlement process and costs

Complaint: OCWEN has repeatedly misallocated payments on Principal to other lines such as interest, escrow, taxes, mortgage insurance. This practice has happened as much as bimonthly since their acquired my mortgage. 
I mark all my payments to their designated line in the account. However ; t this practice of money mismanagement is always to OCWEN 's advantage by delaying my progress on my amortization schedule and thereby suppressing suppressing my progress on reducing the interest ratio on my loan. This hap happens so regularly that I am sure it is " ripping-off, '' a large number of their customers, making it a systemic business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with Account Control Bureau (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Control Bureau place for Collection with Derogatory remarks on my credit report. XX/XX/2016 I began XXXX XXXX XXXX. XXXX is responsible for all my Medical billing if submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Taking out the loan or lease

Complaint: I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. 


Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX SSN # XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was told that they was sending me to court if I do n't make a payment with in the hour so I hurry up and set up a payment arraignment because I did n't want to deal with that, all this caught me off guard bc I never recieved any notice until that day

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I just received notice that my mortgage is being sold by Stonegate to XXXX as of XX/XX/XXXX. I have read reviews of XXXX which make them look crooked and fraudulent. There is not one good review. I take pride in my credit and am very uneasy about this. Is there anything I can do to prevent this sale?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with Diverse Funding Associates LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.

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 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern : My complaint involves my Macy Account of approximately 20 years. I have patronized Macy 's for many years hence spent lots of money and was NEVER late on a payment until ; I changed from paper billing to online billing in XX/XX/XXXX. Not being totally use to the billing cycle online and having had a major health issue, a couple of payment got away from me and I was late with a couple of payments in XX/XX/XXXX/XX/XX/XXXX. <P/>In XX/XX/XXXX, I had a death in the family and unfortunately lost track again with online billing added to the stress of life and was a couple of paymentsXX/XX/XXXX. Both these situations caused Macy 's to report negatively to the credit bureau 's dating XX/XX/XXXX and XX/XX/XXXX. I would also like to mention, the payments were minor maybe {$10.00} to {$50.00} total for each. <P/>I have been working diligently to clean up my reports and Macy 's is the last company that is affecting my score negatively. I 'm told this negative reporting will continue for a total of 7 years. Please let me know if this in anyway can be removed as a courtesy for a loyal customer of 20 years. I am currently in good standing with Macy 's. <P/>Thank you in advance.. I appreciate it.

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 02/19/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: On XX/XX/XXXX, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period. 
XX/XX/XXXX the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter -- it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices. 
I 'm at a loss as to how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Federal student loan) with Account Control Technology, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX non-adverse, non-belligerent, non-combatant, secure creditor with power of attorney general and XXXX on the behalf of the XXXX, have recently came across the knowledge of your possession of information on a Student Loan which showed up on the XXXX ( XXXX XXXX Verification Reporting System ) database. I XXXX has not taken out a Student Loan nor have I signed for a Student Loan for Institution in question XXXX. 
In XX/XX/XXXX, XXXX 's parent company at the time, XXXX, was sued by the state of California for " false and predatory advertising, intentional misrepresentations to students, securities fraud and unlawful use of military seals in advertisements and there are numerous other actions filed against XXXX in various XXXX states as well as United States agencies. In XX/XX/XXXX, XXXX agreed they would close or sell all their schools in the next few months.The U.S. Department of Education announced former U.S. Attorney XXXX, a well known corruption buster, would monitor the sale and closure of for-profit career colleges owned by the failing XXXX. 
On XX/XX/XXXX, XXXX sold XXXX of its XXXX and XXXX campuses and online programs to the XXXX, a new subsidiary of the XXXX. These institutions never existed in the Los Angeles California area historically nor at the time said claim had taken place. 
A court judgement that conclusively finds that I am and were a victim of identity theft has not been provided for I never pressed criminal charges on individual ( s ) who committed the crime due to lack of information on identities or individual ( s ). I demand that the United States Department Of Education immediately Discharge the Student Loan Account No : XXXX due to misidentification and/or fraud identity theft.

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 explanation
Consumer complaint received 04/16/2015 about Debt collection (Auto) with Pinnacle Asset Management, LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.

Company response to consumer: Untimely response
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (IL).
Issue: Managing the loan or lease

Complaint: Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One credit card complaint. Received card during 2014 and a late fee would be assessed at any point where monthly payment was made before due date. Payment had to be made few days before due date or on the exact due date or else it would be considered late. In addition, a one time charge was made to a company called XXXX for {$19.00}. In actuality this charge appeared on charge card statement every month after that. Finally closed account because of the company not being able to handle this problem adequately and charging me for deceptive charges. Although I changed account number and got a replacement card, these {$19.00} charges kept appearing on the new cards. I had been instructed by the credit card company to get new acct number and replacement cards and problem was not resolved. The credit card response as to how these charges were continuing to appear on new credit card acct number and replacement cards is that it was out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.

Company response to consumer: Closed with explanation