milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX I went to check my XXXX score, only to discover that it was lower than usual. It is VERY low as of today, XXXX XXXX, XXXX. 
I found out that I was still linked to a XXXX account that my ex-husband opened as the primary holder with me as the joint member in XXXX. This card looked like a regular Costco card & could only be used for purchases at Costco. I was n't aware that it was backed by Capital One. 
Twenty years later, after I divorced in XXXX, I opened my own account with XXXX. The representatives at XXXX assured me several times that I had no attachment or responsibility for my old joint account. No one informed me, as I 've subsequently been informed by XXXX XXXX, that I needed to have contacted my ex-husband to have him terminate the joint account. Huh?! Are they kidding?! How was I supposed to have known this? No one ever informed me of this at Costco. Costco should have advised me & my ex-husband that we BOTH needed to open new accounts after the divorce. The joint account should have been terminated by them, or, at the very least, they needed to have informed Capital One of the divorce & to take me off the account. ( Which Cap One has told me is impossible! ) This was a major oversight by Costco that is having horrible consequences to my credit. Cap One told me in one conversation that since my name was on the original joint account as co-owner, I 'm responsible for the unpaid debt of some {$5200.00}. Talking, pleading, yelling with Cap One lead nowhere. I 'm caught up in a true " Catch 22 ''. They refuse to budge off their position. 
It is impossible for me to have run up a bill on that account. I do not have a viable card. When I opened my new account with Costco in XXXX XXXX, I could no longer use my old card. In fact, when I used it by mistake just after I received my new Costco card & not having yet destroyed the joint card, the old joint card did not work for me. I gave it to a Costco rep who shredded it. 
Early in XXXX I acquired an XXXX XXXX card linked to Costco in my name only. I 've used that & a subsequent XXXX ( also linked to Costco ) & my debit card almost exclusively for purchases at Costco since XXXX. I also have not seen or paid that bill for years. My ex-husband was responsible for handling that bill. We kept our finances separate for the most part. 
I pay all my bills automatically every month. That I am being adversely affected due to my ignorance & not having been advised well by Costco is an injustice to me that needs to be corrected by Capital One. They need to expunge from my credit history the debt that is not mine but my ex-husband 's. And take me off the joint account as of XXXX XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX  or Transunion concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : XXXX : comenitycapital/mprcc- XXXX, XX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX XXXX XXXX- XXXX comenitybank/venus -XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX- XXXX XXXX - XXXX sterling - XXXX comenitybank/womnwi - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX XXXX : XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX TRANSUNION : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESS : 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 explanation
Consumer complaint received 12/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from XXXX-XXXX different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Mortgage (Reverse mortgage) with ONE REVERSE MORTGAGE, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: Following is a copy of a letter ( personal info removed ) I have been trying unsuccessfully to get a response from HUD or some oversight institution : XXXX XXXXTo Whom It May Concern : First, thank you to anyone who may be able to help regarding my issue with HUD and a reverse mortgage application, I believe has been erroneously viewed and considered by One Reverse Mortgage. 
For more than a month, I have been trying to find a person or department of HUD with oversight over the reverse mortgage program. Return calls from HUD or various sub-offices where I was referred took two weeks to two days. Still it is unclear if and where I may appeal or get better clarification on a specific HUD regulation sited. 
Please assist or direct me to that exact person who has such authority and expertise. I believe I am totally justified in questioning how One Reverse Mortgage handled my application and the process, which began in XXXX. 
After more than two months and many man-hours of detailed work related to my case - out of the blue - I was told my condominium building did not qualify, because of some " found '' language allowing for 30-day rentals. 
Quickly I disputed this fact, forwarding the entire by-laws of our condo association, along with the separate specific excerpt citing that our building did NOT allow for 30-day rentals. " No residential unit shall be rented for transient or hotel purposes or in any event for an initial period of less than six months. '' This language was exactly what was necessary to show that the underwriter was incorrect in assessing my condo building. I still have no idea where that underwriter picked-up that 30-day language in the first place. Nobody would ever provide proof of that. 
As explained, I sent proof on my part - XX/XX/XXXX - more than one month ago. However, One Reverse Mortgage would not budge and terminated my application " cold ''. No amount of phone conversations or e-mails could sway anyone to re-open my case. I even forwarded the on-line HUD approval list which shows my building as approved until XX/XX/XXXX! 
There are more details I am happy to provide, but this is a summary of what transpired in the past month ( not including all the various HUD related offices I tried to contact ). I am so disappointed in the entire process. I spent the whole summer focused on securing much needed finances for a beloved project, thinking I was proceeding in the right direction and moving quickly at every step. Now I have nothing to show for my efforts and actually find myself in a worse position than when I began in XXXX. 
Suspicions are definitely creeping into my thoughts about reverse mortgages and their true worth. Sadly there may be elderly people who need support more than I. At least I am still an active and willing member of the country 's workforce - with the means to pay my taxes and insurance. 
Please please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05-12-2017 about Money transfer, virtual currency, or money service (Check cashing service) with Ingo Money, Inc. (MO).
Issue: Fraud or scam

Complaint: There was a {$500.00} check load to my account on  XXXX   XXXX ,   XXXX   and was also cashed with a check cashing place in  XXXX   XXXX  as shown in the descriptive email ingo collections sent me on the  XXXX  of  XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any  one  who stays in  XXXX   XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Mobiloans, LLC (NE).
Issue: Problem when making payments

Complaint: I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX, and XXXX of 2017 by letter, I requested that the credit reporting bureau, Experian provide as they stated, and I was legally entitled to as they listed that they verified two public record bankruptcies with a third party vendor, I as allowed by law, the name and address of that vendor. In the meanwhile, I contacted XXXX XXXX a third party vendor used by some credit bureaus and requested information to see if they provided the information to Experian. The response after two mailing that my information was merged with two persons with the same name likeness, and addresses as I but it was corrected to remove those merged reportings. 

In my letter to Experian, I advised them that my information was merged with others with my same name likeness, except that name likeness is only the last name, in return Experian added those other name likeness to my credit file, and did n't removed the merged information, stating that they had verified with a third party vendor, but would n't identify the vendor. 

My conplaint is that Experian knows that my information is merged with others, and its a financial decision on their part not to remove the merged information, secondly after stating that I contacted on my own that its not XXXX XXXX that is providing the report, they double talk and still refuse to identify the third party vendor because in identifying the third party vendor, it would be verfieid that they are falsely reporting.

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 07/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Mortgage) with Ditech Financial LLC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with Collection Bureau Incorporated (ID).
Issue: Problems caused by my funds being low

Complaint: was included in bankruptcy and should be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I have file numerous complaints about select portfolio - they continue to harass and threaten me with foreclosure - they lack standing -they are not a real party of interest -nor do they have LEGAL documentation re : chain of title -and can not show perfected title. I have sent numerous request for quality written responses and they will not answer the questions asked. Instead they contact me via landline one day they want to know what my intentions with my house are ....??? then a few days later they call and state they have approved me for a loan modification??? then a few days later they call and say I am out of options only cash for keys now and they will be foreclosing and leave the home broom clean!!!! XX/XX/XXXX XXXX XXXX called from sps- re loan modification XX/XX/XXXX XXXX XXXX called from Sps-Re cash for keys no other options XX/XX/XXXX XXXX XXXX called from Sps Re leave home broom clean we will be foreclosing XX/XX/XXXX XXXX XXXX called from Sps Re : postponement of foreclosure was set for XX/XX/XXXX now postponed to XX/XX/XXXX- When I asked him the reason for the postponement he stated " There is just too much going on ''??? then in the mail i receive from sps the notice of postponement ( see attached ) I also receive from XXXX XXXX the company hired to do the foreclosure - 4 registered letters are postponement to XX/XX/XXXX for sale. ( see attached ) ) and now when I checked XXXX XXXX website re : my home the date is XX/XX/XXXX??? why the different dates??? there is no lender listed on file with foreclosure sale??? XXXX XXXX as well as Sps do not have the legal standing to foreclose on my home nor does XXXX XXXX XXXX XXXX XXXX ( never my lender ) - these three companies do not have legal standing, nor are they a party of interest - they do not even have the correct information, deed, promissory note - etc -what they have produced have been forged documents -wrong forged documents -the deed is invalid-there is no indebtedness to them and they have no authority to foreclose Sps continues to commit elderly abuse-violating the truth in lending act-forged documents -and has been illegally attempting to take my home for 12 months ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: To Whom It May Concern, I was charged {$67.00} of interest by Chase credit card services from XXXX despite clearly being informed by XXXX in XXXX on XXXX/XXXXXX/XX/2015 XXXX I had until XXXX/XXXXXX/XX/2015 to pay my account in full ( which I did ) to avoid any accrual of interest. Upon requesting that my interest fees be waived due to this apparent misinformation on XXXX/XXXX/XX/XX/2015, XXXX senior service representatives, XXXX and XXXX, were extremely inconsiderate and would not honor the assurances previously made by XXXX ; furthermore, they saw no relevance to my plea for a review of the recording of that call and resisted arranging it. As a result, I have cancelled my account with Chase and demand the reversal of these charges given the extenuating circumstances. Thank you so much in advance for your time and assistance in this sensitive matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rose Agency Inc. (MT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Ca n't pay this account. Turned into Rose Agency. Phone number disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale. 
My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner. 
Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived. 
There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health! 
What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt. 
This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property. 
I kindly appreciate your help.

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