milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with Colony Brands, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 06-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX   XXXX ,  2017 I called Santander Bank to req uest a Home Equity Loan. My first question for them was if I was eligible for the loan if I had already started my kitchen renovation because I did n't want to waste my time if this was the case. The representative from Santander said this would n't be a problem. The representative 's name is  XXXX  and her ID number is  XXXX . I decided to apply over the phone with her and we spend over 40 min on the phone going through the process. She told me to have the rate they were offering, I would also need to open a checking account. I asked if I could open this later after being approved because I did n't want to deal with the hassle of opening a bank account, make a deposit of {$25.00} ( minimum required ) and then get my application rejected and have to cancel the account. She said opening then would be easier and I accepted to open the checking account. Since then I provided all documents required by then, with a note that most of the time I was the only reaching out to them to see the status of my application because I was not getting communications directly from them. Now I 've been informed that after the assessment of my propert y ( don e last week ) that my application was not acceptable and was sent to " denied '' because my kitchen and a small bathroom are under construction. I contacted them and explained the situation and they simply " apologized for the inconvenience '' and said I could have another re-evaluation as long as it is done by  XX/XX/XXXX  otherwise I would need to start from scratch. I requested an extension of this deadline since the construction should be all set by the week of  XX/XX/XXXX  and they rejected my request as well. Now I am left with an unfinished kitchen and bathroom, a checking account that I do n't want to use and the hassle to pursue another loan and start from scratch because they misled with wrong information.

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 07/17/2017 about Debt collection (Credit card debt) with Aargon Agency, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have a a unverified account from AARGON AGENCY. I had previously disputed this account. I have never done business with AARGON AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit. 
I have contacted XXXX XXXX and they suggested I get an attorney. 
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit card protection / Debt protection

Complaint: Citi IdentityMonitor reference number XXXX ACCOUNT ENDIN 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 02/21/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Wakefield and Associates are trying to collect on a debt not owed to them. There are 3 accounts listed on my credit report in the amounts of {$840.00}, {$99.00} and {$480.00}. I wrote to them to request validity of proof of services, and they returned a generic bill saying " Emergency room visit '' which I do not acknowledge.

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 05/16/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to 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 08/30/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: CitiBank NA or CBNA made a credit inquiry on my credit bureau reports on two different occasions : the first credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX ; the second credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX. I called XXXX on XXXX XXXX and requested a fraud alert be placed on my credit bureau report. They also removed CitiBank NA 's credit inquiry from their credit bureau report. It does not make sense that CitiBank NA made a second inquiry on my credit bureau reports as I have not applied for an account with CitiBank NA. Fortunately, a fraud alert has been placed on my credit bureau reports. I need help as I want CitiBank NA to stop making credit inquiries. The address for CitiBank NA is XXXX XXXX, XXXX XXXX, SD XXXX and for CBNA the address is XXXX XXXX, XXXX XXXX, SD 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 03/29/2016 about Debt collection (Credit card) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address in Georgia on my credit report that does n't not belong to me. I resided as a student on college campus in XXXX, GA, but not XXXX. An account was open in my name and social security with XXXX and XXXX using that address and I reported fraudulent activity about 2 1/2 years ago but the address has not come off my report. I do n't want any other accounts abled to open by this mistake on my record. Hopefully this can be resolved within a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with ACS Education Services (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been paying on my student loan for years and can not get it down. XX/XX/XXXX I paid the interest in full with my tax refund which brought the loan amount back down to it 's original amount of {$13000.00}. I 've been trying to pay the minimum payment plus interest but every month so far it 's gotten out of hand and I ca n't make the extra payment which means I will never get this paid. Is there anything at all I can do to get them to stop adding on so much interest EVERY MONTH? I can not find another company willing to consolidate this private loan. This was a XXXX school located at XXXX XXXX in XXXX XXXX, which may no longer be around.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on 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 09-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Tate and Kirlin Assoc (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is reporting XXXX XXXX XXXX XXXX on my credit report and the account is being reported inaccurately. I 'm a victim of identity theft and they make me speak to a special department whereas they do n't take the time out to investigate the information that 's provided to them. I was told by XXXX that I have a mix file with a person that has a similar name as mine or address, they found it was n't mine and removed the negative account from my profile.This company also tells XXXX that it was included in a bankruptcy but I never filed a bankruptcy. Every time I try to explain this to TransUnion I get push back stating that it 's verified. The million dollar question is how are they verifying it with you as they 're stating with another bureau that it 's XXXX balance and is in a bankruptcy that does n't exist. Please find I 'm enclosing evidence that supports my claim.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid.Keeps reappearing on my credit report as open.

Company response to consumer: Closed with explanation