milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with ConServe (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I paid more than {$60000.00} in student loans that I cosign for my daughter college and now out of the blue the American Education Services claim that I still owe them a {$19000.00} outstanding student loan so I ask the company to send a documents showing my signature on this loan, they fail to do so, they never send me a documents showing that loan, it 's been more than two months since I ask this company to send me this documents, and they can not find any documentation for this loan yet, and in the mean time they keep sending a bill I 'm paying the bill every month to keep my credit in good shape,

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On Thu,  XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,
CEO Capital One

I am contacting you re the abusive policies at Capital One  Regarding my Mastercard ending   XXXX   and VISA ending  XXXX  accounts.

I have for several months paid regularly in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!  Please see the attached proof of payments.....that you would treat me like this is abusive.  I pay and pay and the balance never comes down even though recently I have not initiated any new transactions.  NOT FAIR!!!!
What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on  XX/XX/XXXX and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Capital One and   XXXX   XXXX   for abusive practices regarding interest rates and punitive fees to customers.  Just on   XXXX   there are over 3,480people who have complaints about your business practices.  I know that there are a myriad of complaints regarding your bank and also several other class actions at $ XXXX  that you have had to pay regarding harassing phone calls to customers.  But there may be more coming re actual banking policies.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,   XXXX   XXXX   XXXX     XXXX   XXXX   This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

--

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Federal student loan) with AES/PHEAA (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. 

Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our XX/XX/2016 payment ( still behind one month ), I made out a check and mailed it to XXXX ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to XXXX ( posted XX/XX/XXXX as the payment due XX/XX/XXXX ). We stopped payment on the check and contacted XXXX to let them know what we had done. 

Loancare became our servicer and everything was fine. It appears the check I sent, was posted on XX/XX/XXXX as a Modified Coupon Payment ( this would now appear to make us current, but we were not aware they tried to post the check we told them was no good ). Not knowing this, we made the XX/XX/XXXX payment on XX/XX/XXXX. We setup the automatic payment and it paid the XX/XX/XXXX payment on XX/XX/XXXX. 

While doing our balance, I noticed our XX/XX/XXXX house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted XXXX about the check, but she would not listen. I immediately made the payment XXXX and after moving other funds around, made a second payment, XX/XX/XXXX ( with late fees ), to make sure we were completely caught up. 

Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted XXXX about the stopped payment check. 

I did send Loancare a request for help on their support email, but to date have not received a response. 

We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. 

Thank you for any assistance you can give us. 

Respectively, XXXX and 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 12/16/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: THIS LETTERS COMMING FROM XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CASE # XXXX AND CASE # XXXX XXXX MAJOR PROBLEM IS NO ONE SIGNED NONE OF THIS LETTERS OR EVEN PUT A NAME ON THEM AT ALL. 


OTHER CONCLUSIONS OF THE LIES AND FRAUD ON THE PART OF XXXX XXXX PERSONEL. THESE ARE RESPONSES FROM BANK LETTER RECEIVED ON XXXX THAT THE CLAIM WAS RE-EVALUTED PER MY REQUEST AND THE DECISION WAS MADE AND APPROVED THE CLAIM. HOWEVER THEY DID NOT APPROVED THE ( 3 ) WITHDRAWLS THAT WERE NOT MINE {$600.00} ON XXXX/XXXX/XXXX AND {$2100.00} ON XXXX/XXXX/XXXX AND {$1.00} ON SAME DAY OF XXXX/XXXX/XXXX THEY THEN SENT A LETTER RESPONSE XXXX/XXXX/XXXX STATING THE ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX AND WAS CLOSED BY THE BANK. NOW THEY ALSO STATE THAT THOSE WITHDRAWLS WERE MADE AT THE BANK AND THAT THE DRIVERS LICENSE WAS USED AS WELL AS A DEBIT CARD ENDING ON XXXX. 
1- I NEVER WHENT TO THE BANK AND DID THOSE WITHDRAWLS.

2- I NEVER HAD A XXXX DEBIT CARD. 
3- I NEVER USED MY DRIVERS LICENSE AS VERIFICATION OF ANY TYPE. 
4- HERE IS MY BEST ONE- I ALWAYS ONLY USE U.S. DEPARTMENT OF HOMELAND SECURITY IDS ( 2 ) HAVE MY PICTURES AND ID NUMBERS AND SIGNATURES BY THE COMMISIONER AND ME AS WELL AS APPROPIATE STAMPS 5- I WAS A XXXX XXXX FOR 28 YEARS.

6- WHAT HAD TAKEN PLACE WAS APPROPIATELY DONE BY ME WITHIN THE APPROPIATE TIME WHEN ALL THIS WAS FOUND OUT AND THE BANK WAS CONTACTED MULTIPLE TIMES.

7- THIS CLAIM WAS NEVER CLOSED BY XXXX XXXX AND ONE OF TH EMAIN REASONS IS THEY NEVER GAVE ME MY MONEY BACK TAKEN OUT OF MY ACCOUNT AND THE BANK NEVER TOOK A LOSS OF {$1800.00} AS YOU STATED ON THE LETTER DATED XXXX/XXXX/XXXX SINCE YOU WERE NEVER TO DEBIT THE ACCOUNT AND YOU CLOSED THE ACCOUNT BUT THIS IS REDICULOS THIS AMOUNT OF MONEY WAS TAKEN OUT OF MY ACCOUNT PERIOD THE BANK NEVER LOSS ANYTHING..

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 11-05-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation