milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have never had a capital one card, I have contacted them by phone, through mail and disputing my credit report. I do not owe this debt, it was a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with McGlinchey Stafford PLLC (CA).
Issue: Settlement process and costs

Complaint: This company is moving forward with a NOD and has entered a sale date on my home, when my loan servicer is working on a loan modification this is a violation of California XXXX laws Dual tracking and other violation XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX : Capitalone credit card # XXXX I have had this card for approximately 2 years. Have never had a problem paying my bill on line. I have never been late with a payment. Actually I have never been late with any payments on any credit card, my credit report will reflect this. On Saturday XXXX XXXX, XXXX I went to my computer to pay my bill. It generally takes 1 to 2 minutes. I was short on time and was expecting my grandson. I went to Capitalone website, logged in, but site indicated a problem with ID or password. I tried several times. But was not successful. I called customer service, spent time discussing the situation. Finally customer service walked me through the process. We determined together that there was not an issue with ID or Password, BUT Capitalone put me through the procedure of claiming there was a problem in order to get information. Before I could access the site and pay my bill I had to answer 2 questions. # 1 What was my income? and # 2 Where was I employed? I asked to speak to a supervisor and we discussed this AGAIN! I was upset at the way Capitalone set out to obtain this information. The supervisor agreed. Capitalone lied to me, or at the very least misled me to believe there was a problem with ID or Password and prevent me from paying my bill and wasting my time. I can understand Capitalone wanting information and if they do not receive that information, they would have the right to cancel the credit card. My arguement was the rude, inconsiderate, phony and insensitive way they set out to obtain that information. I believe I should have been notified with a letter or email or on my paper statement, or when I went to pay my bill at the website, there could have been a note there requesting information they were seeking. Again, that was a very poor way to treat a customer/consumer. The supervisor wrote up a report and said she would discuss with a resolution person (??? XXXX. The supervisor put the resolution person on the phone and asked me to explain the situation to her. My XXXX XXXX was getting a workout!!! I had just spent a considerable amount of time discussing entire situation to customer service representative and supervisor! I was being asked to repeat that again??? I have removed their credit card from my wallet and will no longer use it until I receive a satisfactory explanation and apology. If I do n't receive that explanation or apology I want my accounts with Capitalone to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Loan modification,collection,foreclosure

Complaint: My loan has been transferred now, but for two years Bank of America tossed me around with making home affordable pulling me in and out of trial plans adding all sorts of foreclosure fees. It wasnt until I began filing complaints and a HUD rep got involved and found many misconducts that it was fixed. Unknowingly I paid my mortgage every month, only they were n't applying it to my loan putting it in a separate account. After all was said and done they were supposed to correct the 20 month negative crediting reporting, that was in XXXX last year still has n't been fixed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.

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 08-12-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company called my ex husband, his wife and my son, concerning this debt. The debt was actually discharged in a bankruptcy XXXX months ago. They also told my ex-husband that I used him as a reference. Which is totally false.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: The company is coinbase. I have an account with them that was working fine 3 days ago that was Tuesday XX/XX/XXXX. I have money in my coinbase account and suddenly the account says its disabled ( says I need to show id and proof of address ) I have those but support is not answering me anything. These gets me really nervous. I try every posible way email, web page, XXXX and nothing. I dont know what else to do. I have XXXX with them now I dont have access to them or even know if my funds are ok. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with Clear Debt Solutions, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: diversified consultants has repeatedly called my cell phone number looking for someone with my same last name but not my first name. when I pressed the customer service rep as to how they got my name she said " we use an " auto dialer '' and a number pops up on my screen. I do n't do any research or have any information on the debt. We have technology that says this might be the right number '' She advised that she could n't remove my number from their system or tell me anything about the debt since my first name was different. 

Using Auto dialers is ILLEGAL and they should be stopped and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Medical) with PROFICIO FINANCIAL SERVICES, LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: citi Card places a 14 day arbitrary hold ( payment float ) on my credit line for purchases when I make an electronic payment on my balance prior to the due date. When I call they advise me because I am a " new customer and we do n't know you or trust you yet so we have to wait 14 days to verify the information from your bank XXXX, due to my payment pattern on auto pay '' * in broken English/XXXX. I made my last payment on XX/XX/XXXX the due date and the funds were transferred from my XXXX account on that date and cleared my bank on XX/XX/XXXX. I was provided a note that my balance was paid and no late fee and payment of {$6000.00} received, however when I went to use my citi visa non XX/XX/XXXX I it was declined I called citi and was told it was due to a 14 hold on my payment, which citi received on XX/XX/XXXX from wire transfer from my checking account XXXX.  Basically, citi is committing fraud by " floating '' my payment of {$6000.00} for 14 days and denying me credit for future purchases why I have made on time payments.

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 02-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX, Inc was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the XXXX XXXX of the City of XXXX. 
I requested for an explanation from the mortgage servicer KeyBank Real Estate Capital during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX XXXX XXXX, XXXX XXXX and when XXXX Mortgage XXXX, XXXX or XXXX XXXX XXXX, XXXX indorsed the subject note to XXXX XXXX XXXX, XXXX XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Payday loan) with Sokaogon Finance, Inc. (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CALL ME AT WORK WHEN I HAVE TOLD THEM I CAN ; T RECEIVE PHONE CALLS AT WORK. CONTACT FRIENDS/SUPERVISORS ABOUT DEBT

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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is completely inaccurate and not mine. They have even said this but yet they still report it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.

Company response to consumer: Closed with explanation