milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.

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 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased airfare thru XXXX on XXXX XXXX, XXXX. Tried to cancel tickets XXXX XXXX, but was told I had to pay {$1900.00} upfront to cancel. Capital One ( Credit Card ) told me not to pay, they would dispute amount. Have been disputing since then, and have been rebilled the original amount plus {$600.00}. During this dispute process, Capital one has reported me as late on my credit reports, has frozen my account and told me to seek legal council. They can no longer help me unless I pay them what is owed!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VI).
Issue: Credit determination

Complaint: After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been making student loan payments since 1996 when I graduated from school. The principle amount on my loans has decreased very little despite paying both principle and interest each month. If this were a home mortgage, the home would almost be paid in full at this time, but not so with the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Line Credit Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day XXXX to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a car loan with Wells Fargo Dealership Services and XXXX Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

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 10/28/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call. 

Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX. 

A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter 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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with Direct Capital (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company has taken to multiple calls on my work cell phone. They used to call from a different number, but now they are switching to another number to try and scam money out of me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Mortgage) with Shellpoint Partners, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I really need your help because at this point I do n't know where to turn. I opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account

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 05/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit scores are very important for people that do not have a lot of money and need to get loans or move into places. So, I make sure to monitor my score and try to improve it the best I can. I trust these companies with my information and my credit reporting because I have no other choice. I live and die by these arbitrary credit scores and now my information opens me and millions of others to fraud that can prevent me from buying a house, getting an auto loan, or even loans for any children I have down the line that may want to go to college one day ( so I can help build their arbitrary credit score, much like my parents did for me ). Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with Focus Holding Company (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Payday loan) with CASH AMERICA INTERNATIONAL, INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not incur this debt and when does the statue of limitation ends?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation