milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Called XXXX, XXXX on XXXX/XXXX/XXXX, on or about XXXX XXXX, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XXXX XXXX, XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XXXX-XXXX-XXXX-XXXX-XXXX-XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the Loan modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XXXX XXXX, XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XXXX 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 04-05-2015 about Credit card () with BB&T CORPORATION (VA).
Issue: Closing/Cancelling account

Complaint: I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number 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 09/13/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX2014 {$100.00} Currently disputing. 
Hello. As i was doing my research. It shows i have a debt that does not belong to me from CONVERGENT XXXX XXXX who is also not licensed in FL to collect any debts. May you please contact agency to remove debt as soon as possible. Thanks for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with Supreme Lending (TN).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX OUR LOAN OFFICER MOVED FROM ONE TRUST HOME LOANS IN XXXX TN TO SUPREME LENDING IN XXXX TN AND TOOK OUR LOAN WITH HER BUT DID NOT LET US KNOW SHE WAS SWITCHING COMPANIES. SHE DID NOT HAVE OUR CONCENT TO TAKE OUR LOAN WITH HER. SHE HAS BEEN UNPROFESSIONAL AND UNETICAL WITH NUMEROUS THINGS. SHE HAS GIVEN PERSONAL INFORMATION TO THE PREVIOUS RENTER OF THE HOME THAT HE COULD ONLY KNOW HAD SHE TOLD HIM. SHE HAS LIED TO US TELLING US THE HOME WOULD CLOSE IN 2 WEEKS FROM XXXX XXXX BUT AS OF TODAY XXXX XXXX, 2015 IT HAS NOT CLOSED. THE REASON FOR THAT SHE HAD TO START OVER WITH OUR LOAN BUT SHE TOLD US IT WAS JUST TRANSFERING. WE HAVE HAD LIE AFTER LIE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-09-2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a Citi credit card in XX/XX/XXXX. Citi charged me an annual fee in XX/XX/XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XX/XX/XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XX/XX/XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.

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 12-06-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 


I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I 've called Chase bank on X/XX/17 to find the reason why they 've decided to close my account. I was told that they ca n't disclose that information with me. I asked for a written explaination mailed to me and I was denied of having that information obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XX/XX/XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XX/XX/XXXX acct no XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/15 I tried to activate my new Capital One credit card online and the website said I had to call, when I called I got transferred to the fraud department, where an XXXX lady put me on hold for a long time. Without my knowledge she called my husband ( whom I am currently separated from ), she asked for me and he told her she had the wrong #. My husband later told me this and was very upset because she also asked for a XXXX XXXX as well and stated that it was Capital One calling about my account with a XXXX XXXX ( not clearly saying the name ). He was unaware of me even getting this credit card and I would have preferred to keep it that way. After, a very stressful day of dealing with this, I called the representative in the US and she explained no one called my husband. He texted me a screen shot of this number ( XXXX ) XXXX, that he was called from XXXX! I have never had such a complicated time activating a card! Also, I am extremely upset that my husband was called and concerned about where Capital One even got his phone number from!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting XXXX tax leins on my credit that are not mine. I have disputed the items twice, showing proof that the tax liens are not on my file according to the state of NY but EXP claims to 'verified '' the accounts as mine. I have requested their investigation process according to FCRA law and EXP has ignored me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home was refinanced by XXXX Bank in XXXX. Mortgage was sold to Nationstar. In the original contract it said when my mortgage reach 78 % the PMI would be removed automatically without an appraisal. I have sent them a request of a letter that was given to me from XXXX Bank to follow to at the appropriate time. I have also tried talking to them. All they want me to do is re-fi with them to remove the PMI. I refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

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 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.

Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

Company response to consumer: Closed with non-monetary relief