milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

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 05-02-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: My mortgage was with  XXXX  then they sold to  Shellpoint,  after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on  XXXX / XXXX /  XXXX   to appeal withing 30 days, today is  XXXX   XXXX  and my housing  counselor j ust found out that I have a sale date for  XXXX   XXXX ,   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 12/18/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.

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 08-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing disputes

Complaint: Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with Assets Recovered, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Debt collection (Payday loan) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Loan was opened by mother who has similar name and signature as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX.  We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.

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 monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our  mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: This payment should be applied to the outstanding 'fee ' of {$99.00}. Understand this fee is fraudulently applied to my account, as the overpayment from XXXX XXXX satisfied all outstanding 'fees ' accessed to my account. XXXX XXXX ; following an overpayment, the agent advised the next month payment XXXX XXXX XXXX XXXX of {$190.00}. My records reflect no late payments, and no short payments calendar year XXXX ; despite this, Westlake accounting is has accessed to my account these fees, in part to the phone agent erroneously allocating overpayment to the principle ; rather than credit as requested. I have debated this since XXXX XXXX, and repeatedly requested management review the call that began this fallacy. Westlake refusal to accurately investigate and correct their mistake is absurd. 
This is my formal grievance. The process is flawed, accounting is flawed and sincerely do not appreciate being placed on hold 63 minutes by the supervisor ; waiting to speak to XXXX XXXX. Further being told by the supervisor " It is what it is '', completely unprofessional and inappropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 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: I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN).
Issue: Struggling to pay mortgage

Complaint: Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  I contacted my mortgage company at the time,  XXXX   (   XXXX   XXXX   XXXX  ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied.      In  XXXX   XXXX  my mortgage was sold to  SLS ( Specialized Loan Servicing ).  I contacted them in  XXXX   XXXX  to try to get a loan modification throug h MHA. In   late  XXXX   XXXX  they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early  XXXX   XXXX  I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early  XXXX   XXXX  when I followed up with them they told me that my home was foreclosed on and sold on  XXXX   XXXX ,  XXXX .     I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday,  XXXX   XXXX ,  XXXX .     By foreclosing on my home SLS violated my California  Homeowner Bill of Right s.

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 10/15/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Managing the loan or lease

Complaint: On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.

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