milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Ca pital One cl aims I owe a balance of around  XXXX  on account ending in  XXXX , now closed and charged off. The credit limit is or was  XXXX , roughly  XXXX  or more is highly questionable as it brings the balance well over limit. Most of the balance consists of late/over limit fees as well as some fraud charges. I 've attempted to make payment arrangements in the past, before account was charged off. However, the rep  ( s ) I chat ted with would not cooperate, a separate complaint was made in re which was not resolved. Most recently, I attempted to make payment arrangements/discuss a possible settlement amount, however, the dept I call likes to record calls in which case I will not be recorded. They claim the reason for recording calls is to assure quality/training purposes, which is a lie as the dept I call is recovery and they use the recording so to go after the customer in case payments are not met. I 've called the  executive offic e several times, I 've never been advised the call is recorded until I reach recovery dept, proving they only record in case the customer does not meet any agreed upon payment arrangements. Either way, I will not be recorded. A rep I spoke with on around  XXXX , before reaching recovery dept stated they do not accept settlements, which is a shame as again, there are late/over limit fees as well as fraud charges on the account. A settlement agreement would resolve any and all disputed charges such as previously mentioned. Please advis e Capital One tha t first off, I will not speak on any recorded line and second, they need to be willing to accept a settlement amount if they wish to see any payment at all. A letter was received from a  XXXX  in recovery earlier this week, legal action was mentioned such as sending account to an attorney here in Connecticut. Please also advise  Capital One that my private attorney has been notified of the matter as well as fraud charges on account, in case any legal action is taken on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with me.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Equifax allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Experian ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Experian 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Experian provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
Consent to publish the description of what happened? Consent provided

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 02/22/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Struggling to pay mortgage

Complaint: WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

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 Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2017 I transfered {$150.00} from a savings account to a checking account. I did this on line, as I had done many times before. I made this transfer to make sure there was sufficient funds in my checking account to cover expenses. In the past the decrease in funds from one account and the corresponding increase in funds in another account would show immediately. Recently this has not been the case. The reciept I printed shows the action I took occured on XX/XX/2017 but the transfer date was to be XX/XX/2017. 
When I went to the bank to voice my concern they said it was a business day sort of thing. 
To me this was a LAME excuse as the bank has no problem reducing a balance for a transaction on a friday and showing that decrease on saturday. 
As I said this is a new situation, It did not used to be this way. I believe Santander has changed it logrhythms to generate more overdraft fees. 
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 07-02-2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 08-04-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) Do not frequently send out bill. 
2 ) Receive payment but do not cash it on time ( lie about the payment loss by mail ) in order to charge late fee. 
3 ) Rude customer services. 
4 ) Account receivable could not be coordinated ( charge XXXX payments in one month ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to 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 explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Re : removal of national credit systems and XXXX XXXX Hello experian, I received an letter from your company stating I had to provide more information in order to help delete these accounts. Well I have additional proof as I have provided previously for XXXX and XXXX XXXX XXXX. I recently disputed these accounts via cfpb and included the response for XXXX in which they cant find an account with my name and date of birth and you still have this account as open when it showed be closed and also national credit has responded they closed the account and in which You sent me a letter saying you wont continue investigations until you have proof. I have included proof. I am requesting that you remove this account from my credit report, and send me an updated copy showing that this account had indeed been removed.. 

Thanks 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 non-monetary relief
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2012 XXXX XXXX deceptively : - engaged in double cycle billing - improperly assessed my account a late fee, - in violation of the FCRA negatively reported to all XXXX credit reporting agencies the late fee I am attempting to re-finance my home, and the negative reporting is directly affecting my ability to refinance my home on better terms including a better interest rate, lower monthly payments, restricting my ability to refinance other debt. This is costing me significant amounts of money. Due to the deceptive nature of the credit reporting need XXXX XXXX to clear on all XXXX credit reports any negative history so I can proceed with getting ideal financing. This is directly affecting my reputation and harming me financially. 
XXXX XXXX was already faced with a {$210.00} XXXX dollar enforcement action due to improper marketing and billing, and I continue to be harmed by the deceptive practices XXXX XXXX was engaged in during that time. I need negative reporting cleared so I can proceed with a better financing of my 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