milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted credit agency to verify debt seeking proof of debt from original company to the creditor company. The company refused to fax or email verification of debt and would only mail the verification. I offered to make payment immediately upon receipt of verification. Company threatened that debt would incur interest during their mailing time and further increase my debt. This is essentially a punishment for seeking verification of a debt before paying the creditor. Additionally, I never received notice of the debt from the original company, so verification of the debt was needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way.  At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had  not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it  A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit and realized two accounts from Barclays Bank of Delaware are on my credit file. The accounts are as follows : 1. Barclays Bank of Delaware ... account number : XXXX ... balance : {$12000.00} date opened : XX/XX/XXXX ... 2. Barclays Bank of Delaware ... account number : XXXX ... balance : {$11000.00} ... date opened : XX/XX/XXXX. I have disputed these accounts with the company, but they refuse to remove the accounts from my credit files. I want them removed. These accounts are not mine, I have never applied for these cards, I do not want these cards, they are fraud and the company is committing a fraud by not removing them from my credit file. I have attached the police report and copies of my credit files so you can see that they are still on my credit files. Barclays Bank of Delaware please remove the offending accounts from my XXXX XXXX XXXX XXXX   credit files asap.

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 06/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Advertising and marketing

Complaint: I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX on XXXX/XXXX/17 obtained a copy of my credit report without my consenting. I want this off my credit report.

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 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit report shows listing of improper address with my report, called to dispute and that was handled I believe reasonably well but then I asked if I myself could report to the credit company myself information about a loan that XXXX does not report themselves? 
I was told NO by experian and that I could NOT do that I should call the company. I have called the company and they REFUSED to report my good credit on that loan! Now here is the complaint that same company will be the first to report a negative default on that loan, but it is in good standing and current so they REFUSE to report it in that status!!!! If they only report the bad then my credit file can only be BAD! And I was told I can NOT even report the " GOOD '' myself!!!! HOW CAN ANYONE SEE A FAIRNESS WITH THIS????? Goes the same for utility bills, rental history, or any other type of credit history! They use this as a leveraging tool! I was told in the past by some companies that it is a way for them to make sure I pay my bills, and if you do NOT pay your bill, we will destroy your credit and you wo n't get credit from anyone else either!!!! My position on this is that this is extortion plain and simple! They only report what they want to report and paint a very deceptive picture about me or anyone else and it should be against the LAW to have that control and power of manipulation over anyone!

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 09/15/2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Payoff process

Complaint: Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Credit determination

Complaint: While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind.

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 04-12-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Requested my " Expunged '' State Tax Lien be removed from my Credit Report, started an investigation, Equifax completed the investigation yet this item still remains on my Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Turning Point Solutions LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit report and there is a company called XXXX on my report stating I owe them {$1700.00} for what I do n't know. I wrote XXXX and they said to write XXXX, so I asked XXXX to validate the debt, they sent nothing to me. Then I wrote XXXX and asked them to remove the mark from my credit report and they will not, the keep saying XXXX satisfied them that this was my debt, so I in turn asked XXXX to send me the information they have from XXXX, since XXXX will not send me anything. XXXX refused and told me to call XXXX ... ... .I told XXXX I do n't called bottom feeder debt collection agencies and that I had previous sent mail requesting validation XXXX times since XXXX XX/XX/2014 but XXXX is keeping this bad mark on my credit report and will not remove it. Of course XXXX and XXXX are in cahoots to scam money out of hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

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 11-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Convergent Outsourcing just reported a {$400.00} collection account on my credit report. Prior to this account appearing on my credit report, I did not received notice of my right to dispute. And this is important, because I contest the charges.

Company response to consumer: Closed with explanation