milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Struggling to pay your loan

Complaint: I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.

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 06/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  XXXX   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 01-08-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Cashing a check without an account) with ZIONS BANCORPORATION (CA).
Issue: Problems caused by my funds being low

Complaint: Hi, I was Included into this, XXXX XXXX Zions First National Bank,, I, m Sorry to say, I NEVER HAD a Bank Account with Zions First National Bank Period, on the Legal Notice I Got in Mail from XXXX XXXX XXXX, there were Names of lists of Co, s that ACH Debit, s from peoples Banks, they Withdrew Money,, Well I Got Past, Cyber Crime on all my Emails, from My First Computer I Bought in our House only 1 in house Mine. when I used this Computer, I always Got these Return To Email Server,, Mailer, XXXX, or POST,, on a lot and Even Legal Documents that are about Organized Crime, I, m a Ex Explorer worked for XXXX, under EX Chief XXXX XXXX XXXX, when I was younger and Trained, etc got Hired, I had a lot of Emails pertaining to, Insider Trading Acts, Surveilance, Eavesdropping, By a XXXX XXXX, since my first computer I, ve been involved in, So Much Fraud Acts, from my Phone Calls and Costs, Mail Criminal Documents, Costs, Faxes Costs, and Time and Gas $ , I, m Very Sure Posative that these Telemarketers & Internet Marketers have been doing Crimes to me and Familly, from past till Now still going on, I Got all my Evidence by Phone Records, Mail Receipts, Cyber Emails from XXXX, XXXX, XXXX, XXXX XXXX Evidence from Most All these Companies that are listed on back of My Legal Notice, Now I have Stated to the U.S. Security Exchange Commission my Financial Losts and Health Issues on Crimes etc, just 3 Days ago, NONE Perjured, My Word is Honest, and XXXX,, Telling you what I think is going on I, m Not a lawyer, But My Thoughts are My Evidence and its Good, This Class Action settlement is From a Criminal Group that have, Racketeered for Profits on everything dealing with my Business and Moms Business and I, m Sorry to Say My Street is Involved full Home Owners and Names for Evidence at my Street, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX,, Last I, m very sure that the People involved are More involved in Crime then there, Debits ACH Money Withdraws, on people in the Settlement, Ending I hope you can give me a Legal Documents from my Email info and your Details etc and Send me All Legal Info I Need to Add to my Cases Pending for Court,, plus I can have the US Securitys Exchange Commission talk to you about my Evidence and Whats Realy Going on Now Present etc, Thankyou, I, m sorry this is a Shock to your Case, I, m Hoping we can agree to the right Documents and the Right answers, To Help eachother and everybody Else, By, This Document is TRUTH, Not Perjurized,

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 06/23/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.

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 03-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A request for verification was sent to XXXX XXXX XXXX on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted XXXX XXXX XXXX via telephone at XXXX and spoke with XXXX at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the 34th day, I informed XXXX XXXX XXXX via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request. Attached are the Verification Request letter, Tracking info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. XXXX refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XXXX XXXX, XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XXXX XXXX, XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XXXX XXXX, XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX XXXX XXXX or my cell phone logs ( XXXX XXXX XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a XXXX XXXX XXXX XXXX, they have committed a Felony under XXXX XXXX XXXX. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection account is not mine. I do not own Portfolio Recovery. 

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. 

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX. 

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. 

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.

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. (SC).
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: I have mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation