milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Credit determination

Complaint: My credit line with Capital One is {$5000.00}. I try to keep my balance below XXXX % so it does not affect my credit score. However, that is just about impossible with a business credit card. Therefore, I requested a credit line increase. Capital One denied my request, citing " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I contacted Capital One this morning for a further understanding/explanation for this denial. The customer service representative, XXXX, stated he was not allowed to provide additional information. His supervisor, XXXX, told me I need to contact the Bureau of Consumer Financial Protection for further information. 
My credit score ranges from XXXX - XXXX. So I am sure you can understand why I am concerned and equally troubled by Capital One 's response. Nonetheless, I called Capital One again this afternoon. I explained to the supervisor, XXXX, why I requested a credit line increase. XXXX stated the impact of exceeding my credit line by XXXX % to XXXX % " is not a concern to us. '' XXXX confirmed this was a decision made by their automated processes and she refused to send my request over to the underwriters for a manual review. 
As a result, I understand if I cancel my credit card it will have a negative impact on my credit score. Also, If I exceed the XXXX % threshold it will have a negative impact on my credit score. I have been a loyal Capital One customer for a number of years. I have personal and business credit cards through Capital One, I have financed a number of vehicles and mortgages through Capital One - I have never had a late payment. With that said, I can only conclude I am a victim of racial and national origin discrimination based on the ethnicity of my last name. I request that you open an investigation into the lending practices of Capital One. If you need additional information, please contact me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Good Morning Equifax. I want to start off by saying thank you for making progress here.. but I just looked at my Equifax complete service and I noticed that the XXXX account that we are going back and forth over is not even my account I have attached a document with the card I have with XXXX and the only one. I asked you if you could please remove this account that does not belong to me. 
if you can see it in your heart and please remove this account because it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I checked the Equifax potential impact website, and after entering my information, I was informed that my private personal identity information had probably been compromised in the recent breach. My understanding from news reports is that Equifax became aware of the breach in late XX/XX/XXXX. As a resident of California, my private personal identity information is subject to the data security and breach disclose laws of California Civil Code XXXX ( Security Breach Information Act ). I was not contacted by the company directly or made aware of the breach until I heard the news in the general media yesterday, XX/XX/XXXX. I do not consider that to be the most expedient time possible, as CCC XXXX states. The news also noted that in early XXXX, several Equifax executives sold over a $ million of stock, which declined about 13 % in value when the news of the breach was made public. The company, which markets and sales data security services, clearly does not understand the responsibilities of data security and breach notification. There are two other credit reporting agencies. Therefore, the loss of Equifax will not cause major damage to the credit reporting marketplace. All efforts should be made to punish the company to the full extent of the law, including closing the company, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Managing the loan or lease

Complaint: I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off. 
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted XXXX, XXXX, Transunion, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, XXXX, Transunion & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Prior to the start of my loan repayment period I began to research repayment options knowing that I was not making enough money to repay my loans at the price it was stated for. Navient platforms themselves on their " plentiful repayment options '' to help to ease the process of student loans. Their website rather than provide facts suggests a phone call to the company. I called navient in XXXX 2016 to discuss my options. I was told that there was no discussion to be had about repayment options until after I became delinquent on payments. The representative then proceeded to imply that the only thing to fix the problem was to not pay the first repayment fee. Once I became delinquent I called the company again to discuss repayment options. I had been charged a late-fee. I was then asked to give my income/expenses and my co-signers income/expenses. I explained that my co-signer signed with the intention that I would be the XXXX repaying the loan as I was able to. Once the information was collected the representative told me that they were sorry that there is nothing that I could do and that I would have to come up with the payments or that they would begin to bill my co-signer ( who is retired ). I called the same representative back with my mother, who persist that we come up with some sort of option came up empty handed. When she asked to speak to his manager he said " Ma'am, our manager has directed us not to direct calls with this concern to her ''. For the past seven months I have made the payments with the assistance of my parents ( who are unable to assist and are not the co-signers ). I am at a loss of words for the lack of customer service and options available to young adults like myself that are trying to survive in an ever-evolving world that requires such expenses to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Portfolio Recovery keeps calling and attempting to collect on money that I have disputed this the company. They are also calling and harrassing me and my family and friends stating they have a lawsuit against me and call them and myself at all hours of the day and night. I have yet to recieve anything in regards to a lawsuit or any paperwork from them period. They have been calling family members and telling them about my personal business and that they have a lawsuit against me and I dont even speak to these family on a daily basis. I would like for them to stop harrassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I erroneously made a payment of {$11000.00} on XXXX/XXXX/XXXX to the wrong Citibank card XXXX an old citi 'double cash ' card ) rather than the intended recipient XXXX XXXX XXXX. When I realized the error I called Citibank on XXXX/XXXX/XXXX who advised the funds would be refunded into my checking account in 3-5 business days. I waited patiently then I spoke with an agent at Citi, who was unhelpful. I asked to escalate the matter, then spoke with a XXXX, XXXX ( 'I cant give you my last name ' ) at XXXX XXXX XXXX XXXX ( XXXX ) on XXXX who advised the refund had to be 'cleared by a manager '. She proceeded to make excuses, then called XXXX to verify the payments previously made in error had 'cleared '. Then she supposedly processed an 'expedited review '. I am still awaiting my refund!

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 06-07-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Closing on a mortgage

Complaint: My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX <P/>The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
<P/><P/>Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. <P/><P/>We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. <P/><P/>Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. <P/>I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. <P/>I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. <P/>Pay my family for the locks caused by your negligence. Make us whole. <P/>Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never opened the XXXX credit card account debtor is trying to collect XXXX. Contacted collector for validation and was only provided a statement. A statement does n't provide any information on how I owe this debt as I never opened the accounts. Accounts were opened in California where I have never resided.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: After discharge of a chapter XXXX bankruptcy, where the XXXX lien was stripped by the court, due to the declined value of the property, the XXXX lien holder filed a motion ( subsequently granted by the judge ) to re-open the bankruptcy as they felt they had not been notified of the intent to strip the lien. This in all likelihood was due to the XXXX lienholder failing to record the lien timely. However, i was not notified by the XXXX lienholder attorney that a motion was filed. The mortgage company never notified me of any issues, the mortgage company 's counsel never served me, I found out about the motion through the title company while trying to close the sale of my house. The sale has now fallen through due to issues with a clear title, so now i have not only lost the sale, but am also responsible for the buyers appraisal and inspection fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.

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 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.

Company response to consumer: Closed with explanation