milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad service!!

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 monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (GA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint: I am a struggling single parent who lives in the state of Georgia. I received a payment for child support in the amount of {$910.00} on XXXX XXXX, XXXX. I was told of the child support office that am suppose to receive an Eppi Card. I waited on the card for several weeks and of course the card never came because they sent it to the wrong address. I usually get my money direct deposit so I did n't understand why I 'm receiving a card in the first place. I went back and forth between GA child support services and Eppi Card for about two months. I finally get a child support rep on the phone who tells me your money has been deposited on the debit card and your going to have to deal with them. I call Eppi Card and they swear I 'm not in there system this goes on for weeks. I finally get a rep on the phone who asks me about previous addresses. I told her about an address that I lived at 12 years ago. She gets me over to a supervisor who tells me to fax over my social security card and GA license. I send over the information on XXXX/XXXX/XXXX. I was told to wait 48 hours for my information to be updated. I waited and contacted Eppi Card, I was told by a supervisor to send the information again. I do n't have a fax machine so I 'm spending money at the local XXXX XXXX everytime I send a fax. I send the information again XXXX/XXXX/XXXX. The information gets updated and a card is sent to my address. I open the card and try to setup a pin number to activate the card, " your information you provided is invalid ''. I try again and get the same error. I speak to a representative who tries with me and get locked out of the account which means I have to wait 24 hours. I wait and try again.. samething. I speak to another rep who sends me another card ... same problem. I am currently unemployed and depending on this money to pay my rent and utilities to tie me over until I can find employment. Rent time is coming up and if I do n't have the money me and my children are homeless. I let them know why I need this card to work. I call everyday to no avail. I speak to a rep XXXX/XXXX/XXXX who tells me he 's sending another card. My rent is due and they are still sending cards that do n't work ... this will be the third one.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Capital One I have had 2 cards with this business for over 10 years. A new card was applied for by someone which was fraud. I called Capital One to close this new account as I received a credit alert on XX/XX/XXXX indicating a new account was opened for which I never applied for. On XX/XX/XXXX I could not login to my accounts online. I called Capital One and explained I could not login and they indicated that one of my accounts was closed due to fraud.
I never got a communication about it. I then called them a couple of weeks later XX/XX/XXXX ( spent a half hour on the phone to get the account re-established and they indicated to login tomorrow and you should be able to re-enroll your existing credit cards.
Tried that on XX/XX/XXXX and all attempts failed. Called Capital One again and was transferred through 5 representatives and spent an hour and a half with no resolution.
At this point unable to login to see my credit card account information and do not have any statements to see if I owe anything, as I am enrolled in online statements.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. 
If they can provide an agreement that I have physically signed my name on then I will believe it is valid. 
Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. 
Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. 
I want this to stop unless these people has a legit agreement with my signature. 
if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: servicer has had approval from XXXX for a short sale for a week which needed management to sign off on it and I can not get it from them. the home is a short sale and had XXXX offer in 6 months. we have no hope of selling if we lose this buyer. Servicer has been notified of this but does n't seem to care.

Company response to consumer: Closed
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous supporting documentation to Equifax in regards to fraudulent and unauthorized accounts on my credit report that do not belong to me. Equifax continue to disregard and refuse to look at the supporting documentation for proof that the following accounts do not belong to me : XXXX, XXXX, XXXX XXXX XXXX and MN Child Support Enforcement. I continue to get the same response over and over from Equifax which is, we have verified the item belongs to you, despite supporting documentation that is proof the fraudulent accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: transunion lists my employment as " XXXX ''. I have never been employed as a 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 07-04-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: USAA Federal Savings Bank was arbitrary and capricious in the issuance of a XXXX, Cancellation of Debt. They also do not follow IRS rules for issuing the XXXX USAA XXXX refuses to provide their policy in writing for issuing XXXX. 

I owed XXXX debts of equivalent age and both over {$600.00} dollars. XXXX accounts were charged off by USAA three days apart ; however, only XXXX account was issued a XXXX. In the XXXX, USAA indicates in Box XXXX they " discharged '' the debt and in Box XXXX they do not hold me " liable for repayment '' yet they continue to seek reimbursement. 

USAA also failed to comply with IRS " Specific Instructions for Form XXXX '' and provide the telephone number to the correct department on my XXXX as " CAUTIONED '' in the IRS instructions ( they did n't provide any telephone number ). This blatant hurdle to customers is only further exacerbated by their refusal to provide me their written policy or established business practice ( for ceasing collection efforts and issuing the XXXX ) as required by the IRS. Couple this with the numerous different explanations of why I received a XXXX and why I still must pay, you realize their customer service representatives ( CSRs ) are not reading from the same script ; in fact ; some CSRs indicated I did n't owe anything. 

What 's ironic is that when I first approached USAA about the XXXX, they asked that I fax them a copy of it! 

USAA 's lack of transparency, and their inconsistencies and unfairness in applying policies they will not put in writing is POOR customer service. 

I have paid in full the account that was not issued a XXXX. However, I refuse to pay a debt that was " cancelled '', then " discharged '', and that I am " not liable to repay '' as indicated on the XXXX. Besides, the XXXX has to be treated as income on my taxes and a loss on USAA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since XX/XX/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 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage with Citizens One Bank since XXXX. My XXXX XXXX payment was made through XXXX Bank online bill pay before the end of the month. But due to the holiday, the payment apparently did n't go through until XXXX XXXX. According to XXXX XXXX, this caused my credit score, which was reaching the high XXXX range, to drop significantly. I am asking that Citizens One will remove this as showing 30 days late due to the circumstances. I talked to XXXX of their customer service reps and he said this is prone to happen when you go through a 3rd party bank. To avoid this issue moving forward, I agreed to have my payment automatically drafted through Citizens One and the customer service rep is sending me the forms. My hope is to restore my credit score to the previous high ranking.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (VA mortgage) with Hypotec Inc. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a unsolicited loan offer in the mail. I immediately opened it because it looked like something form the government and I was alarmed. After reviewing the letter, it took me several minutes to figure out who it was from. Secondly, there is no term. Thirdly, it says I am entitled to an escrow refund, but if they refund it to me and start a new escrow account wont they be essentially financing that for how many years the term is? This is very deceptive marketing and these people should be looked in to in XXXX Florida. Finally, my mortgage company is n't XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with Alliance Data Card Services (MO).
Issue: Billing disputes

Complaint: XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Credit card () with CITIBANK, N.A. (OK).
Issue: Billing disputes

Complaint: Sears Account XXXX Account inquires XXXX XXXX made at Sears, XXXX, XXXX, XXXX, OK XXXX XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX payment was applied to XX/XX/XXXX bill not to the XX/XX/XXXX bill. Item XXXX payment bill has a statement that I did n't make the XX/XX/XXXX payment. XX/XX/XXXX @ XXXX I called Account Inquires, spoke to Princes, I was informed that the XX/XX/XXXX payment was applied to my XX/XX/XXXX bill. I asked that the XX/XX/XXXX payment be applied to XX/XX/XXXX bill. The options I was given was a removal of late payment fee or the refund of the {$50.00} XX/XX/XXXX payment. I told Princes, that I did n't want that because my credit report would still reflect a no payment in XX/XX/XXXX. Princes connect me to the supervisor, XXXX, who gave same options. I informed her that the current system of payment in store should be updated. The system does n't tell you that you are making a duplicate payment and give you the option to opt out of the payment. The current system will cause the customer 's credit rating to be negatively impacted because you will have a " no payment '' on your credit report that is false. This will reduce your credit score in a fraudulent way.

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 monetary relief
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Credit monitoring or identity theft protection services

Complaint: I have attempted to validate the debt that they claim I owe and my requests have been denied. The mortgage company has been acting fraudulently they refuse to produce proof of a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In 2008, I opened an account with XXXX with some roommates. After I moved out, I made the mistake of keeping the XXXX contract / service under my name. When my roommates moved out, they never returened the equiptment so XXXX XXXX charged me XXXX for the returned equipment that was never returned. I was unaware of this and now I am receivign a collection notice from a debt collection company called Afni , Inc . Address of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. This debt is over seven years old. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), my outstanding debt should have been removed from my credit report. My questions are, why has n't my outstanding debt been removed from my report and why is this collection agency continue to harass me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax gets hacked, I try to freeze my credit and all I get from Equifax is a run around!! Ca n't talk to a person ( like I could with XXXX & XXXX, WHO DID NOT CREATE THIS PROBLEM ). Answer all the questions on their automated message and then get put on hold and hung up on. Try to do it via internet and I get " unable to complete your request ''. Equifax should be put out of business!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I checked my credit score on XXXX XXXX and saw that my score dropped by 18 points between XXXX and XXXX. Im not sure why as my balances were all paid in a timely manner. The company was Capital One.

Company response to consumer: Closed with explanation