milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD.  They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.

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 10/26/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am sorry to ask for help again, I thought I could just live with it, I ca n't after checking my credit this morning. I attached a few items, the first page of my Equifax for my name reference, the pages XXXX thru XXXX referencing a XXXX account Equifax reported XXXX/XXXX/XXXX. Date of first delinquency XX/XX/XXXX. Lastly, I attached XXXX 's XXXX XXXX report reflecting the same XXXX account reflecting date of last payment XXXX XXXX. Ladies and gentlemen I can assure you no payments were after XX/XX/XXXX due to a job loss. What is more insulting to me and the CFPB is the XXXX response to the CFPB indicating their " actual '' investigation in XX/XX/XXXX was to delete the account. Line XXXX of the CFPB response attached & copy of the XXXX deletion. Equifax , just waits a few days and responds, they do n't actually call anyone. XXXX no longer had the records and could n't tell me either what the exact last date was so I know for a fact Equifax did n't check. The XXXX reporting on Equifax- same thing over 7.5 years since last payment, deleted after XXXX actually did the legwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Transunion for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Transunion about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (CO).
Issue: Settlement process and costs

Complaint: I recently refinanced my reverse mortgage. I went to receive my first distribution check a few weeks ago at XXXX. Mistakenly I was given the commission check of the broker and was horrified to see he had been paid {$12000.00} to originate this loan. I discovered that the lender AAG, Inc and the broker were using " premium '' pricing to increase their profits at the expense of myself and I 'm sure many other elderly people. XXXX of MTI Toolbox had originated this loan at XXXX points above par without my permission and without any disclosure that this was happening. I believe that this is a new strategy that is being used by the reverse mortgage industry to increase their profits now that foreclosing on these loans is much more difficult due to Dodd-Frank..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with Total Recovery Services, Inc (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Installment loan) with Army and Air Force Exchange Service (MD).
Issue: Managing the loan or lease

Complaint: CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING

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 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLENN ASSOCIATES MID-ATLANTIC, INC (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.

Company response to consumer: Closed
Consumer complaint received 06/13/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: CITI Bank cancelled our XXXX XXXX credit card alleging that given our income we could meet our credit obligations. They say they based their decision on " secret '' guidelines and mywife 's credit report. The latter does not contain income data and our income and payments arejoint. We have been meeting all our credit obligations on time including finishing recently longterm payments on both a mortgage and a car loan. Because they are acting unfairly and in anot transparent way we have concluded that CITI is discriminating against us because of ourage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM UNABLE TO GET CREDIT REPORT ON LINE WITH XXXX DRIFFERENT CREDIT REPORTS. I NEED TO SEE IT ON LINE OR TALK TO SOMEONE ABOUT ID THEIF. SOMEONE TOOK OUT A MORTGAGE IN MY NAME I DON '' T OWN A HOME AND NEVER HAVE.ALSO A XXXX BILL SHOULD NOT BE ON MY CREDIT REPORT I FILE BANKRUPTY AND ITS BEEN DISCHARGE.

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 05/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with Bank of China USA (AZ).
Issue: Fraud or scam

Complaint: An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.

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 04-09-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: Related to previously opened case regarding Citi card with unauthorized transactions. Was unable to make contact with executive response office again after submitting requested documents via their email address. This is about a billing dispute.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on Equifax 6. Credit Limit is {$0.00} on Equifax 7. Date of Last Payment is incorrect on Equifax 8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 (  a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, XXXX  Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Their Reps keep calling, they do not leave any message regarding the debt owed, who they represent, etc.

Company response to consumer: Untimely response
Consumer complaint received 11/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private student loans with XXXX, now known as Navient. I defaulted on the loans, and they were charged-off. However, I went into an agreed upon repayment plan of {$100.00} per month. Nonetheless, XXXX/Navient reporting that I was not making payments and continuously made debt collections calls. Last year, on XX/XX/2015, I accepted Navient 's settlement offer of {$10000.00}. My private loan balance at the time was {$25000.00}. I paid {$5000.00} on XX/XX/2015, and the remaining {$5000.00} was to be in monthly payments of {$410.00} to automatically debited from my checking account. I have completed all payments, and now they are saying I did n't have a settlement offer in their records, and the loans are defaulted and charged-off. The balance is now over {$16000.00}. 
Resolution : To mark XXXX private loans as settled in full ; clear their online account summary as settled in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly disputed these hard inquiries with XXXX, XXXX and TransUnion. I pulled my credit reports on XXXX XXXX. I discovered that I had XXXX hard inquiries that were unauthorized. I never gave these companies the permission to run my credit for any reason. I have also wrote letters to each company asking for a signature of authorization with no response. 
The XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXXXXXX XXXX XXXX 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 09/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Equifax on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

Company response to consumer: Closed with explanation