milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Chase Bank has been told to not honor any electronic withdrawals from my account by  XXXX   XXXX , yet they continue to accept these illegal electronic transfers from my account by  XXXX . The most recent try was this week where  XXXX  tried to withdraw {$640.00} causing a {$400.00} shortage in my account for which  Chase  charged me an overdraft fee and a fee to stop the  XXXX  transaction. Chase has charged me a fee each month that  XXXX  has illegally tried to take money from my account and I do n't know how to stop this. I have asked them repeatedly not to honor any electronic transactions from  XXXX  but they continue to honor them and then charge me to correct their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am XXXX years old with a number of health conditions. Any monies after paying my household expenses end up being used in medicines and doctor 's bills. Such as co-pay and other expenses not covered by my insurance. I called Navient today to try to find out is there is some kind of forbearance or extra time that could be given. The voice on the other side said unless I pay XXXX dollars, there is nothing to be done. I thanked him and hung up. I know there are other people with low incomes and loaded medical bills hindering them from paying right now. I would love to stay with my agreement for repayment but is just unable to do so as of now. I have XXXX and at times are unable to work. Please see if something can be done, because Navient is ruining my credit score. This makes it even harder to come up with monies to pay them. Ca n't get any loans based on the delinquent amounts they send to the reporting agencies. Thank you very much for anything that can be done. Navient keep sending me emails and letters saying they will be willing to work with me. Then when I call them, they refuse to help me. Wow! 

XXXX XXXX XXXX work number

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hunter Warfield is on my credit report, the date it states it was opened was during the time I was in   XXXX   so I couldnt have gotten a apartment at the time. I sent them a pay to delete offer because that seems to be the only way to get it off my credit without having to pay them the full {$2000.00} something I do not owe. And now they are reporting on my credit that my payments are late after 4 years! Hunter Warfield is hurting my credit and is stopping me from moving on in my life.
I have put a dispute on BBB along with lots of other consumers who is having this issue with Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX is reporting an account that was showing a XXXX  balance last month is now reporting a balance of XXXX the account is XXXX XXXX XXXX XXXX. This account was reporting XXXX now its reporting with this balance it made my score decrease by 55 points. This should have never happened. I fully expect XXXX to correct this wrong information and report like it did last month as an account with a XXXX balance. It took me months to finally get this account corrected and now its back to square one. Having this wrong information reporting is causing me a hardship with obtaining substantial 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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA 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 11-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Capital One credit card was lost or stolen and I have been trying to resolve this issue for three month now. I still have charges which were not resolved. My phone calls were transfered from one department to another and still were not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

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 11/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been contacting them numerous times to advise them that I demand a cease and desist against an out of statute debt. They repeatedly send me letters that do not offer the validation of debt miranda nor the mini miranda. I have told them they are in violation of the FDCPA and to cease communication. The last letter I got from them said that even though they are a 3rd party collection agency they are not subject to FDCPA rules and regulations because it is a government fine they are trying to collect. They have changed the structure of my cease and desist of an out of statute debt to show that I am asking for validation of debt which I am not. Again they keep stating they are not subject to FDCPA rules and regulations. Even after the cease and desist they have continued to mail me Dunning letters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XX,2016 XXXX XXXX I XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016

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 01/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from an attorney office about a lawsuit being filed against me from a Midland Funding LLC. I am not sure what it is. I have received calls starting right at XXXX XXXX and stopping at XXXX XXXX from weird numbers without 10 digits calling my phone and would ask for me without identifying who they are if I answered. A year ago, this same thing happen and I received a garnishment for something I had no idea what the debt was. I am afraid they will garnish me again for another mysterious debt. I tried calling but they want you to identify social security numbers, date of birth and address as if you are admitting to debt or an account. I refused to provide any of it because the last time that is when they were able to collect from me when I was trying to find out about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion is reporting Adverse Accounts on my credit file. There are two accounts from the XXXX XXXX XXXX that are reporting on my file as one XX/XX/XXXX these accounts where deleted in XX/XX/XXXX because they over seven years old. 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 04/27/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: THE CREDIT REPORTING AGENCY  XXXX  , TRANS UNION AN D   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF 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 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ALCHRO INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I requested a freeze on my consumer report from LEXISNEXIS due to the XXXX breach three weeks ago and never got a responce

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: CapitalOne is blocking 3rd party apps from downloading data. This makes XXXX impossible to use as well as services like XXXX. I have a right to my data.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear Sir, MadamSince late 2012, I have been going through recurring personal and family crisis and I fell, several times, behind in my JCPenney credit card payments. The debt was then transferred by JCPenney to Synchrony bank to which I paid between {$76.00} to {$96.00} each month. On or about the XXXX of XXXX, I called Synchrony bank to ask it to postpone processing payment by three days because I did not have enough money in my account and I wanted to avoid the many overdraft fees XXXX XXXX manages to charge me with often. I talked to a representative on the phone who asked me what causes me to have financial troubles ; therefore having troubles at times, paying. I told him about some of the challenges I have been facing for about 2 years now and he asked me to stay on the phone to get me another person who could modify the terms of the agreement so that I would have a lesser monthly amount to pay. Someone then came to the phone and we made an agreement for me to be paying {$36.00} monthly and the payment postponed for the XXXX of this month. I was therefore, totally, completely, taken aback when I visited XXXX XXXX XXXX website, shortly thereafter, to find that not only Synchrony bank withdrew {$76.00} and another payment of {$36.00} was also processed by JCPenney. I found myself again in overdraft situation and XXXX XXXX charged me, as expected fees because of it. I called Synchrony bank and the representative 's reply was " Oh, that because, on the phone conversation, you did not specify that you wanted the previous agreement canceled. Stay on the phone and I 'll transfer you to customer 's service ''. " If I do not get a response from customer service? ", I asked. " Then call the bank to oppose payment '' Surely customer service did not answer and I called XXXX XXXX to tell it what happened. Its representatives said that they can deny the JCPenney payment but can not do this for the {$76.00}. i sent an e-mail to JCPenney which responded and said it has nothing to do with this, that it is solely, has to do with Syncrony bank. XXXX XXXX refunded the overdraft fees it charged. 
This is where things are right now. 
I thank you for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.

Company response to consumer: Closed with explanation