milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. 
We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. 
If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been experiencing issues with possible identity theft so I submitted a written dispute to Experian asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.

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 06/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles

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 11-10-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this collection account with XXXX and Experian twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date XXXX and Experian are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both XXXX and Experian ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit

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 02/15/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Federal student loan debt) with Texas Guaranteed (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello. My name is XXXX XXXX. My email is XXXXXXXXXXXX I was almost relieved to see the Lawsuit agaisnt Navient, as i have a loan with them. For the last year they have been lying to me about co-signer release, stating that it was a possibility if I went through a differrnt payment plan, which I held up my end and paid on time only to find out they lied to me and my co-signer ' can not ' be released. I also still have in my position a copy of the refund check of {$520.00} that Navient LOST and I had to get the Better Business burough involved to locate the money they lost. I have been consistently mislead and lied to by this company.. they deny me income based repayment and are the absolute worst customer servicer I have had, which is saying a lot because I was switched over, not by choice, from XXXX XXXX . I think loans should be forgiven when the Loan Provider Navient is abusing and misleading their borrowers for personal monetary gain.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trans Union is  showing that I have an adverse account with   XXXX   XXXX   XXXX  . The original account was with   XXXX   XXXX   XXXX  . I have submitted a dispute with  Trans Union sta ting that this account was included in my bankruptcy. I have uploaded the supporting document  XXXX  showing that the   XXXX   XXXX   XXXX   account indeed was on my bankruptcy. They came back stating the information on my credit report is accurate. It is not.

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 02/15/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required. 
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere. 

now they are attacking my credit report with a falsified bill of service that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Caliber Home Loans. They bought our home mortgage loan from XXXX effective XX/XX/XXXX with Caliber assuming service on the loan on XX/XX/XXXX. We had lengthy difficulties with XXXX. These difficulties seem to have been transferred to Caliber. Caliber has been unable to sort things out and communicate with us on a timely basis. The specific points of contention are:1. XXXX told Caliber that they paid our homeowner 's insurance because they say we let our homeowner 's insurance lapse. This was totally false and we provided documentation from XXXX showing that our homeowner 's insurance never lapsed and was up to date. Those documents were also faxed to Caliber on XXXX XXXX, 2015. 

2. XXXX informed Caliber that they paid our property taxes for XX/XX/XXXX. This is totally false and we provided receipts showing that we paid it. Those documents were also faxed to Caliber on XX/XX/XXXX. 

3. Caliber started calling us in XX/XX/XXXX telling us we owed them either {$8000.00} or {$10000.00}. This was a combination of the homeowner 's insurance, property taxes and they said we were behind in payments per the information they received from XXXX. We faxed them documents on XX/XX/XXXX that included letters from lawyers at XXXX ( XXXX in XX/XX/XXXX and XXXX in XXXX ) that stated that we were current and up to date with all payments. We also faxed cancelled checks for all mortgage payments for XX/XX/XXXX demonstrating that we were actually ahead of our schedule of payments. 

4. We sent with the documentation on XXXX a letter of complaint asking for the matter to be resolved after speaking with a manager named XXXX in the Caliber complaint department. They also indicated that while it was being investigated they would cease their harassing phone calls. 

5. They said they would respond within 30 days. On XXXX XXXX having not heard from them we called customer service. At first they were unable to find any record of our complaint or the XXXX pages of documentation that we faxed in. When they did find the information they were unable to connect us with their complaint department. We requested a response from them by phone by Wednesday, XX/XX/XXXX. They have not responded. 

We are asking that they update their records to show that no taxes were paid by XXXX or Caliber, no property taxes were paid by XXXX or Caliber. Any money applied to " pay '' for these taxes be applied toward the principal of the mortgage in addition any interest is to be adjusted. Any late fees must also be removed from our account and interest adjusted. We have had extreme difficulty getting records concerning our account from Caliber and what we did receive was very confusing because the information they have from XXXX is very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Medical) with Receivables Performance Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!

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 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  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 09/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan modification,collection,foreclosure

Complaint: i am having a problem with us bank home mortgage i started chapter XXXX the week before my house was for sheriff sale so that stopped the sale so i payed into chapter XXXX for XXXX year until i could not afford to make payments to bank and chapter XXXX so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from XXXX to XXXX now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sheriff and the house still belongs to me i have been here for 15 years please help me understand what is going on and did i loose out on my money trying to keep my house.

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 09/17/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: This is about the third time I have been denied a card ( that according to my credit service should have been approved based on my income/credit ) by American Express the past few years. I usually am given a glib response as the purpose, and have not pursued the matter. However, in my latest denial ( dated XXXX XXXX, XXXX ), the true reason came out. The reason stated is that " ... we can not approve your application at this time because American Express cancelled your previous account ( s ) ''. 

American Express cancelled my cards in XXXX or XXXX after I filed Chapter XXXX bankruptcy. That was 19 years ago. They are using the fact that I exercised my right to file bankruptcy. I would understand the decision if I had only filed recently, but this is ridiculous and is a tactic being used to punish me for exercising a right I have under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.

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