milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Started process on  XXXX / XXXX /  XXXX  .   Denied HELOC renewal. Self employed  XXXX .    Credit Score  :  XXXX  -  XXXX  percentile, {$850000.00} in The liquid assets. Balance on HELOC {$52000.00}.  Home Value  : {$220000.00}. Second home value {$160000.00}, equity {$100000.00}.   All bills paid by occupant, land contract in place.   Implied I file false tax returns and mortgage application.   " We can not verify where your business deposits come from. '' " What would I do if the IRS audited my tax returns. '' These quotes were made by  XXXX   XXXX . Refused to let me talk to underwriting. Complained to the office of  XXXX   XXXX . She refused to look into my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt to XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report

Complaint: We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient bought my student loan from XXXX XXXX on XX/XX/XXXX. My loans have always been in forebearance or deferrment. As we all know before a deferrment or forebearance is approved sometimes there are late charges that the company then removes. I had no late fees with XXXX XXXX when my loans were taken over by Navient. Now all of a sudden in XX/XX/XXXXaround XXXX they are telling me I owe them late fees and upon their research they happened at XXXX who number one never serviced my loans and number two as previously stated there werent any. Im finding it very strange that number one they took over loans in a complete amount and Im not sure how they think they can add late charges from another company. Im not sure what kind of deceptive business practices this company is trying to pull but Im not having it. These fees are fraudulent and all of a sudden and they are incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled my credit because I am looking to purchase a car and notices a lot of duplicate inquiries starting from XX/XX/XXXX until now XXXX XXXX. I have not applied for any sort of credit since XX/XX/XXXX. I am aware of the inquiries being deleted from Transunion then added and I feel I was a victim of this. I called Transunion and they are unwilling to take care of this issue for me. I did inform them that I was aware of this issue and I kindly asked the supervisor to rectify this issue for me and he said to have a police report for every inquiry I feel is not accurate and submit it to them. My local police report is who educated me on this issue and simply stated that Transunion will take care of this for me so I called and they were unwilling to do so. So I come to you for help. Please help me. I would have gladly provided you with info but it would take me too long to list every creditor and their information. If that is a requirement Ill gladly take the time to fix this mistake by Transunion.

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 03/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.

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 10/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Sale of account

Complaint: I am a Costco Executive member. They offer a credit card thru XXXX. I had XXXX but Costco Switched mid year to CitiBank visa XXXX/XXXX/16. On XXXX/XXXX/16 I checked my account and it was locked, and it told me to contact Citi regarding fraudulent charges. There was a fraud charge in XXXX, AZ at a XXXX. I told them to close the account. Citibank refuses to pay me my cash rewards from XXXX/Citi that I accrued, their reason is because I closed my account. THIS IS THEFT!!!! MY REWARDS WERE MOSTLY FROM XXXX PURCHASES ( PRIOR TO XXXX/XXXX/16 ). CITI IS NOT ENTITLED TO MY REWARDS CASH. THEY ARE STEALING FROM EVERY PERSON THAT CLOSES THEIR ACCOUNT.

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 05-12-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Robocalls about PHONY legal and/or debt problem from  XXXX  TX exchange - many times a day to our business phone line.     No one at the  XXXX  or  XXXX   XXXX   XXXX  to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (NH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. 
See Attached letter to TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Other banking product or service) with SYNCHRONY FINANCIAL (VT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have had ongoing issues with Synchrony Bank 's IRA fund division. Paperwork is routinely lost and Synchrony is unable to locate it two weeks later. I have on repeated occasions filed by fax the required paperwork to transfer IRA funds from my XXXX mutual fund account to my Synchrony money market account. The paperwork has been lost by Synchrony despite Fax confirmation of receipt. I have had to continually call to track where my funds and transfer request are. I have dealt with a senior IRA representative at Synchrony, XXXX XXXX, who repeatedly apologizes through the problems remain ongoing and unresolved, requiring me to check my account on a daily basis to ascertain the whereabouts of my missing funds. <P/>On this latest occasion, I had to twice file faxed paperwork to transfer {$10000.00} from my XXXX account -- {$7000.00} from one mutual fund and {$3000.00} from another fund -- done in a single transaction. Those funds were dispersed by XXXX on XXXX XXXX,2017 and {$7000.00} was deposited into Synchrony Money Market on XX/XX/XXXX. It is now XX/XX/XXXX and the {$3000.00} transferred amount was never deposited to my Synchrony account and there are no transactions pending on the Synchrony webpage of my account. <P/>I have just spoken to a Synchrony representative on XX/XX/XXXX at XXXX XXXX and they have no idea where the money is. I am particularly XXXX as I am investment and computer literate and yet continually encountered problems requiring careful and ongoing monitoring on my part. Other depositers may have disappearing funds they are not even aware of. <P/>Please look into the operations at Synchrony because I think there may be a fraud issue involved. Thank you for your diligence and for your oversight. <P/>Best regards,

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 06/15/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to get a mortgage refinance due to unemployment and medical issues that have caused financial hardship. However the refinancing application was denied by Carrington Mortgage Services. This happended approx 2months ago. I then contacted the company and spoke with XXXX in loss mitigation about a forbearance plan because my stated intention is to save the home. XXXX stated that she would email the final figures on legal fees, late charges and court costs so that I could begin the forebearance payment plan for XXXX XXXX 2016 However, it is the middle of XXXX and no emails have been received. I have called Carrington weekly ( most recently XXXX XXXX, 2016 ) seeking the final numbers needed to begin the repayment plan.. However, one full month has passed and Carrington Mortgage Services has not submitted any calculations and the fees and charges continue to pile up. I would like to know what the delay is in getting me the information? 
XXXX Carrington Mortgage .the refinan

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I would like to file a complaint against US Bank. I have been attempting to work out a short sale with US Bank for almost 3 years and I have lost multiple purchasers due to the amount of time that it has taken to get FHA approval. The first offer that I received was on XX/XX/XXXX and was for a few thousand dollars less than what the asking price was, but was not enough to cover all of the cost to sale the property free and clear. Unfortunately, I was not in a position to cover the difference to make the deal happen. With the offer that I had, the bank would have received a couple XXXX less than their payoff. The XXXX offer was very similar to the first and the bank took so long to review the short sale offer then after six months, the purchaser moved on and purchased another property. This has been the normal behavior of the bank over the last 3 years. Over the years, the delinquent amount has continued to grow and the property value/offers being received have decreased causing a larger deficiency. It is my hope, by filling this claim that I will finally be able to get the short sale completed. I would also like to get a waiver of deficiency if possible. 
1st Contract - XX/XX/XXXXBuyer XXXX XXXX - Buyer Terminated/walked2nd Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedATP ISSUED XX/XX/XXXX DEADLINE XX/XX/XXXX3rd Contract - XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXXApproval XX/XX/XXXX - Buyer terminated at Inspection4th Contract - XX/XX/XXXXXXXX XXXX and XXXX XXXXXX/XX/XXXX Short Sale Approval - Buyer terminated at Inspection5th Contract - XX/XX/XXXXXXXX. - Buyer Terminated/walked6th Contract - XX/XX/XXXXXXXX XXXX - Buyer Terminated/walked7th Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedApproval - XX/XX/XXXXATP - XX/XX/XXXX - XXXX8th Contract - XX/XX/XXXXXXXX XXXX XXXX - Terminated because he was waiting for 5 months9th Contract - XX/XX/XXXXXXXX, XXXX. - XXXX XXXX XXXX - Active Purchase Contract

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Transaction issue

Complaint: I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit line increase/decrease

Complaint: Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.

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 09/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record until XX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XX/XX/XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX, I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday XXXX, XX/XX/XXXX and Monday XXXX, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

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 07/13/2015 about Debt collection (Auto) with Northstar Location Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.

Company response to consumer: Closed