milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.

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 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Palmer, Reifler & Associates, P.A. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had rented XXXX books from XXXX in the XXXX semester of 2015. I returned BOTH book rentals as I do every time I 've rented books through my undergrad. On XXXX XXXX I received XXXX letters from a law office in Florida saying this was an attempt to collect both debts. CLAIM NUMBERS XXXX and XXXX. I have now filed a complaint and debt validation request with them and the XXXX. I will also be filing a complaint with the Attorney General. This is illegal. There are more than XXXX complaints of this where they say they 've never received the return books. They are praying on college students. I want both books removed from my account and the debt to be removed. The order number was XXXX. I have tried to settle this with the company explaining that I have mailed them back and customer service was not helpful. This company has a history of saying they have no received the rentals and sending directly to collections. I have perfect credit and have never had a bill outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter warfie ld his continuing to violate the FCRA t he FDCA the tn state law. the company is claiming that I owe   XXXX   XXXX    XXXX . I do not. as per tn state law the carpet must be replaced every 5 years ( hunter warfield admitted this fact ). tn state law also states that once the company accepts any form of payment they are prohibited from any fur ther actions. on  XXXX    XXXX   the company   XXXX   XXXX   accept {$1600.00} payment which would have covered the months i was not able to pay. the amount agreed on in court  was  XXXX . as per tn state la w once money was accepted by   XXXX   XXXX   they waived the right to have any lien. Please only accept information from eagle point with my signature last time the company falsified documents to make it seem like my lease wasnt up when I left the apts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Billing disputes

Complaint: Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. 

I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. 

In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. 

It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. 


Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. 

Please give this matter your most direct and expeditious attention.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... 

most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX our family was relocated to XXXX for my husband new job. During this period we was already beware a loan modification process of our house in Puerto Rico with XXXX XX/XX/XXXX. On XX/XX/XXXX SPS the organization that XXXX XXXX  use to manage their mortgage accounts finally approved our loan modification. We signed it on XX/XX/XXXX. On XX/XX/XXXX our realtor recommend us the short sale option to sale our house because Puerto Ric 's economy situation was too unstable and this option give us a better opportunity to sale. The agent also told us about a client who was interesting in the property. Immediately we call to SPS to expose our opportunity to sell with a pre-approved loan of our recommended agent 's client. SPS told us that to use this method our loan need to be late on payments. They also told us that they can consider the proposal and that during the proposal examination process ( 90 days ), we do not have to make payments. After that they accept the short sale proposal examination process, but they also delete our loan modification unilaterally, even when this was already done. This first short sale process never finish because SPS was very slow in the entire application review ( almost 4 month ) and our client just denied. After the process with our first client we start over again to make payments as they told us, in XX/XX/XXXX and for a regular quantity, {$1100.00}, without modification plan payment as SPS tell us. In XX/XX/XXXX another client was presented to the SPS with a new proposal. SPS accept the analysis to this new proposal and told us about the new 90 days period, stopping our payments during this period again. After almost four month, during the first week of XX/XX/XXXX, SPS sent a letter rejecting the proposal again without any explanation. They just said that the lender did n't accept the quantity and never told us who is the lender of the mortgage. So until today we did n't know who is the investor of our mortgage and what they expect as a reasonable price for the properties. The quantity submitted in the proposal was the recommendation of the realtor using the sold properties around our community.The same client that is very interesting in the property and have a approved loan increase the quantity of the proposal and the realtor decrease her commission and in XX/XX/XXXX their new proposal was send to SPS again. XXXX  this organization until today XX/XX/XXXX did  n't give us a respond and our client is getting tired to wait again. SPS even when stop our payments during their Short Sale verification processes report " our delay '', to the credit bureau. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Ocwen Loan Servicing in the month of XXXX. I spoke with a XXXX XXXX, agent XXXX. XXXX regarding an Escrow analysis that I received from them dated XXXX XXXX, XXXX. The statement indicated that I owed an outstanding amount of {$800.00}. In spite of this claim, my upcoming payment showed a reduction from {$890.00} to {$850.00}. The agent advised that I would receive an adjusted Escrow Analysis reflecting updated information. 
I received another updated Annual Escrow Account dated XXXX XXXX, XXXX. The new analysis indicates that payments were received in the amount of {$850.00} of which {$580.00} was for principal and interest and {$260.00} went into the escrow account. 
The above reflects a discrepancy and inaccurate information. The actual amount I paid from XXXX XXXX through XXXX XXXX was {$890.00} as reflected on the XXXX XXXX, XXXX Escrow Disclosure statement. My tax bill for XXXX XXXX, XXXX to XXXX XXXX, XXXX is {$2500.00}. Since I paid {$890.00}, {$680.00} should have gone towards the principal and {$200.00} towards the real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (FHA mortgage) with iFreedom Direct Corporation (KS).
Issue: Application, originator, mortgage broker

Complaint: After being pre-approved for mortgage loan, I submitted all documents regarding my bank accounts for the month of XXXX and XXXX. I deposited money into my savings, then was told I needed to show proof of where I got the money from. I submitted that information as well. Then today was asked for my login and password for my bank account and stock account, so she can login and look at them. After researching information online, I found that I should not give that information to anyone. Also loan officer keeps losing information, so I have to refax or resend emails of documents she has requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: This was a promotional deal. The monthly statements were deceptive. The statement said no balance due when it was actually due and then they charged me 6 months of interest. In addition they had changed my payment method from being linked to a credit card to this credit account. 

I paid off on the phone immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 numerous occasions, I have contacted   XXXX    & Tr ansUnion to notify them that I am no longer liable for   XXXX    XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore,  XXXX   &  TransUnion continues to allow  XXXX   XXXX  to report information that is not 100 % accurate.  XXXX   XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from  XXXX   & T ransUnion stating that they will not re-investigate this erroneous reporting.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > 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