milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I brought some building materials to build my patio from XXXX. They did n't deliver all my materials. I called the merchant and let them know and they said they were aware of it and going to credit it back to my credit card. I waited and waited but it never happen. I took action with my credit card company, capital one. First letter then asked for second opinion letter from a XXXX party. I provided it. Still nothing happen. Second letter they again asked for a letter stating that I never received the merchandise. Ok did that and sent it. Third letter out of nowhere they said that the case has been closed. Saying that I did n't provide proof of return of merchandise. Which I never dispute for returning anything. I was disputing that I never received all my merchandise. I know they are siding on the merchant which is very frustrating and nothing I can do about it. Its not a small amount that 's why I do n't want to lose out on it. Its XXXX worth of stuff. I keep asking them to let me speak to a manager or higher level assistance but they said I need to be on waiting list for about 2 weeks. Capital one disputing process is like a joke they are just trying to play with you. Trying to make you pass the deadline so they can close the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Received a loan I didn't apply for

Complaint: Speedy Cash gave a loan to someone online using my name. They did not ask for any kind of ID and did no background check or they would have known that the social security numbers did not match. I called and complained after I received a bill from them. The woman informed me that they did n't need any Identification to give this loan because it was a low amount and the law in Texas allow 's it. So now my credit might be ruined or my identity compromised due to the way they do business. I let everyone I know know about this and of course XXXX of my friends are going thru the exact same thing at this very moment. This needs to be changed!

Company response to consumer: Closed
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote to Equifax to have an error on my credit report corrected. I had an auto loan with XXXX Bank, all payments were made on time and paid as agreed. Equifax is reporting erroneous information regarding this account, there have been no late payments. In response from Equifax I received the attached document. It has another person 's name and credit information. Equifax did not address the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (OK).
Issue: Taking out the loan or lease

Complaint: I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General 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 non-monetary relief
Consumer complaint received 09/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My problem is with XXXX. I have had a credit card with them for over 20 years. Last year they closed the store in XXXX XXXX where I live. Now there is no location convenient for my use. I therefore have not used the credit card. I did get an estimate for carpeting from XXXX about 3 months ago but the cost was too high and I purchased from someone else. 

There are very few times that I can now shop at XXXX and their on-line prices I have found to be too high. That is not the problem however. The problem is that I received a letter telling me that I either had to make a purchase by XX/XX/XXXX, or my credit limit would be lowered. 

The letter is dated XX/XX/XXXX, and states ; " Thank you for being a valued XXXX cardmember! After a recent review of your account, we noticed that your XXXX card ( for the account number referenced above ) has been inactive for over 16 months. 

In order to prevent the credit limit on your account from being lowered to $ x, xxx due to inactivity, you must use your XXXX card to make a purchase or other transaction by XX/XX/XXXX. '' I find this to be " XXXX XXXX ''. They are basically telling me that if I do not use my card, that they will take action that will result in a negative impact on my credit rating. I have always had excellent credit with XXXX. I would have used my card had they not decided to close that only store near me. 

I should not be " threatened '' with negative credit history due to their actions resulting in the store closure.

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 06/20/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX foreclosed on my property. XXXX XXXX XXXX never sought to collect after the foreclosure sale. 

Now, four years after foreclosure sale, Nationstar claims I am {$110000.00} in arrears. 

I have been litigating with XXXX XXXX XXXX since XXXX XXXX, 2012 to enjoin a wrongful foreclosure eviction. The case is currently pending in the XXXX Court of Appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.

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 01/27/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company continues to report failure to pay status ( over 120 days ) on my credit report in a malicious act to destroy my credit. I have copies of all cleared checks going back 12 months that I have to submit every month in disputes with this company. This company forces their debtors to use third party debt collector ( XXXX XXXX XXXX ) in their repayment process, at an upfront cost of {$500.00}, and automatic payments. These payments do not reflect against your debt balance. I refused to be tricked by these unfair collection tactics ( DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ), and sent my payment by check to the original company ( Army and Air Force Exchange Service ). On my checks I put my correct, ( Army and Air Force Exchange Service ) account number, but fees were still deducted and sent to XXXX XXXX XXXX. I have delivered copies of cease of unfair collection practices, and intent to file suit, if this action continued with this company. This will be my last step before obtaining legal counsel.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i was purchasing a car from XXXX XXXX and when i looked at my credit report there were several hard inquiries that i did not approved. I was given XXXX XXXX but several other inquiries from other loan companies. I told equifax but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MR. COOPER IS LISTED ON MY CREDIT REPORTS AS NATIONSTAR AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND XXXX FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}

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 11/14/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Dear Sirs in XXXX when the economy crashed, I was advised because of lack of work to file Bankruptcy. I held out until XXXX. 
In XXXX All credit was taken away and I had an Equity Line of credit ( Heloc ) and used XXXX, I went bankrupt and discharged all debt in XXXX. I was then advised that even though It was discharged I still owed the money because of the equity in my home. I am willing to pay the XXXX, through refinance but no one will let me due to the lien. Ocwen tried to foreclose, I hired a lawyer to stop them and paid XXXX to do that. Now Ocwen is foreclosing again while adding XXXX to the original bill. They will not communicate and when you call you get XXXX. I feel the first Lawyer made mistakes and the Second Lawyer bait and switched me.I am aXXXX year old man living on Social Security and my only nest egg is my condo. Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.

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

Complaint: Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I had a payment scheduled that was denied due to NSF. 
On XX/XX/XXXX I spoke with a company rep and made a payment arrangement over the phone in the amount of {$84.00}. It was my understanding it would be credited to XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$250.00}. I expected it to be the XX/XX/XXXX payment. 
My credit report is showing that I did not make a payment in XX/XX/XXXX. 
I just called the customer service number and the lady was all over the place. Did not seem to know what she was talking about and couldn't keep straight what I was saying. 
She went so far as to say the company never reports incorrectly. 
I am trying to get a mortgage and this reporting is very damaging to my credit report. 
I really dislike being led to believe one thing and then something completely different happens.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with North American Credit Services (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoke with  XXXX  a supervisor at northamerica credit today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, This is a follow-up to my ongoing reports that Wells Fargo & Company ( " WFC '' ) is violating a number of consumer protection laws. By way of background, WFC alledges I am obligated to pay a debt - but WFC has not provided verification of such debt. At the same time WFC has refused to provide identity theft protection services as promised within the account agreement. After I reported these illegal activities to the CFPB and OCC WFC retaliated by submitting known to be false information to my credit report. This including submitting to credit reports that my address was " Cease Desist XXXX, SD '' ( effectively locking me out of the financial system because banks were unable to conduct an address verification as my credit report would say I lived at a non-existent address ). In addition to submitting false address information, WFC removed all of the previously reported satisfactory payment information from my account and chose only to report the negatives - which is a gross violation of the Fair Credit Reporting Act. 

Unfortunately, that was not the end. After I reported the retaliation to WFC and the CFPB, WFC updated my credit report and removed the fact that the debt is in dispute. This appears to be an attempt by WFC to remove the fact that I have always disputed this debt in an effort to sell the debt to a third party for a premium. 

Given such, I am demanding that WFC re-insert the correct information that the debt is in dispute and include that upon my credit report. Furthermore, WFC shall provide all of my disputes and arguments to any party to which is sells the debt to. 

Notwithstanding the above, I would like to know how the arbitration policy effects disputes if WFC transfers or sells the debts to another party. Will the other party be bound by the same arbitration agreement?

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