milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with Nations Recovery Center (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I called Nation Recovery Center, Inc. Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX on XX/XX/XXXX. They informed me of a debt I was alledgedly sued by from a previos law firm holding said account. I do not recall this account. The party I spoke to who 's name was not clearly given to me told me I 'd have this alledged debt, from XX/XX/XXXX attached to any and all account related to my social security number. I do not recall the debt, was told I had to do something today because " there 's nothing I can do to help you wheb it leaves this office. '' I told him I do n't recall the debt from XX/XX/XXXX and that I 'm XXXX and do not have the money, nor recall being notified of the lawsuit back in XX/XX/XXXX in an attempt to collect. I was not given the oppourtunity to contest the debt and once told I was XXXX and unable to pay, if In fact I owed such debt, I could not pay it. I was given vague information regarding the debt and told it was for a " XXXX card, '' and nothing more. I was not given the initial debt holder, date of judgement, not any of the pertinent information regarding anything of use to me to verify such debt is legitimate. For all I know, this could all be made up in an attempt to get me to pay them money I do n't believe I owe, but again, I was never given the oppourtunity to contest the debt before being told it would " be attached to any and all account related to my social security number. '' I do n't understand any of this and I find that this debt collection agency to be in breach of Fair Credit Reporting Act and they used threatening tactics to get me to pay a debt I alledgedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted Capital One who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact Capital one to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XXXX/XXXX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XX/XX/XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On multiple occasions, Navient has not run my bills properly. One example of this being that I was told on XX/XX/2017 that my bill had already been pulled from the Bank. As of XX/XX/2017 there has been nothing pulled from my account. I have tried to figure this out multiple times and they refuse to help. This is after it took them 3 months to notify me that there was a plan I could enroll in to help pay of my student loans. This has happened for both federal and private loans. They are preying on recent college grads who are struggling to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon reviewing my credit report, convergent outsourcing has reported a debt o f {$2100.00} on my XXXX report, account # XXXX, i do not owe this debt and i have not received any debt validation from the collection agency or the creditor, i therefore ask the company to provide proof of debt validation or said contract that itemizes the accumulation of such debt within 10 business days and to remove inaccurate, unverifiable information from my XXXX report, in accordance to fair credit reporting act. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX continued to call my place of employment and leave messages even after asked not to by myself and management. Cease and desist letter was sent they still did n't cease. They were threaten legal action and giving attorney name and company as " office of D Scott carruthers '' his license was suspended for practing law XX/XX/XXXX for 60 days and placed on a 2 year probation period. FDCPA laws were broken as well as state bar of California laws while calling me in repeatedly on the day of XX/XX/XXXX andXX/XX/XXXX. They have told my boss they were going to file a lawsuit against me. Disclosing personal information on several occasions as well as send me a fake documents saying they filed a lawsuit with actual court filing forms.. I call the court house to try and see when my court day was and they told me that the case number does n't exist and that I have no upcoming court dates or filings against me. So I 'm confused they are using illegal scare tactics with the attorneys name during a period he is suppose to be suspended with the state bar of California

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: I am writing The Bank XXXX XXXX XXXX XXXX to ask for confirmation if they are the true creditor. I also request evidence that the mortgage was properly securitized, which includes ALL assignments of mortgage and a copy of the promissory note. I have not received any correspondence from The Bank XXXX NationStar is an alleged servicer, however, court documents with the original recording of title " XXXX XXXX Mortgage '', was never a loan/mortgage per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with ERC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: Hi, I am a Delta Sky Miles member and I received a promotion on XXXX XXXX by American Express through Delta Airlines newsletter, according to which : - I would get XXXX ( instead of XXXX ) bonus miles after spending {$1000.00} in three months ; - and XXXX miles ( instead of XXXX ) for each dollar spent with Delta ; if I would have applied to Gold Delta Sky Miles American Express card by XXXX XXXX. Therefore, on XXXX XXXX I applied and was approved for the credit card, but now American Express is not applying the promotion to my account. They are currently saying that I can not get the promotion anymore because I did n't click on the 'Apply Now ' within the promotional email. However, nowhere in the email they say that I have to apply through the email, because in any case both the email and the application are linked to my Sky Miles number. They first said that I should have spoken to Delta, but Delta is saying that the promotion is from American Express. Ultimately, the American Express representative said that she would have raised an inquiry and it would take between 6 and 8 months to get an answer, and of course in the meantime the 3 months period will pass by. 
I do n't feel treated fairly at since they are not honoring anymore a promotion I received from them and for which I applied by the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello About a year ago, I bought a cloth at {$25.00} at " XXXX '' and paid with opening new store credit card. 
Since then I did not get any bill from the credit card company about the payment. 
On sometime XXXX of XXXX, I got a call from Comenity bank and I owe over {$100.00} due to non payment. That time I explained and they agreed I did not get any bill from them and waived the fee. I gave them my credit card number and asked them to charged the original balance. 
However, on XX/XX/XXXX, I got my first bill and find out it includes late fee of {$27.00} and {$2.00} for interest charge. 
On XX/XX/XXXX, I called the bank and explained what happened and ask to waive those fees, and offer to pay the original fee to them. 
However Bank told me they ca n't waive the fee and insisted I owe {$33.00}. I do not want to argue them over the phone and ask them to charge the {$33.00} from my checking and asked to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since the Equifax data breach, I have been unsuccessful in resolving what was initially a single problem - there was a fraudulent address in my credit history. 

I received an email XXXX/XXXX/XXXX stating the " Dispute Completed '' along with a confirmation number and a link to review the dispute. 

Using that information, and confirming my identity on their site XXXX including answering questions from my credit report ( e.g., you opened a credit card from which of the following in XXXX XXXX ... those types of questions XXXX, I am unable to access my information. 

I get a page that states, " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' I have submitted my request FIVE times now via their " Web Email dispute form '', and all that does is generate another email with another confirmation number and link to review the dispute. 

EVERY TIME it says, " Dispute Comlpeted ''. 

EVERY time - SIX TIMES now - I have been unable to review the dispute. 

On submissions 2 through 6, I have explained that I can not access the page to review my dispute has been resolved. I also explained that additional fraudulent financial activity has likely struck, since I am answering those challenge questions correctly, but am still denied access to my original dispute ( and the additional five disputes XXXX. 

It 's an endless cycle of monopolistic bureaucracy - all the while likely furthering financial fraud perpetrated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with FMA Alliance, Ltd. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, XXXX, FMA Alliance , Ltd. in XXXX, XXXX, contacted the ex-wife ( in XXXX, XXXX ) of the brother ( who has lived in XXXX XXXX since XXXX XXXX, and was formally divorced in XXXX ) of the alleged debtor who has lived in XXXX since birth in XXXX ) indicating an attempt to collect a debt in violation of the Fair Debt Collection Practices Act. This communication is not only clearly prohibited, but intended to harass, annoy, and embarrass the alleged debtor and his brother.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


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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 01-09-2017 about Mortgage (FHA mortgage) with FCI Lender Services Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.

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