milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I keep paying on my loan and the amount keep going up. My principal when I bought the car was XXXX and thats the same amount still due. I paid almost 8,000 dollars to them so far and my principal never went down. They wrongfully repossessed my car once XXXX XXXX XXXX and that is a wrongful act of the fair debt collection act by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with Rodriguez Fernandez Law Offices, LLC (PR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX , still insists through  XXXX   XXXX   XXXX ,  XXXX , that I should contact Rodriguez Fernandez Law Offices , LLC in  XXXX   XXXX   Puerto Rico, on   a U.S. Postal  Service Certified Mail Received today,  XXXX   XXXX ,   XXXX   at our residence, that Monday through  XXXX , from  XXXX   XXXX   XXXX   to  XXXX   XXXX , I should call them if I have questions, and they want me to pay the whole amount of  XXXX  dollars  XXXX  cents, letter received today included, i s in Spanish in just one payment? But   this account is under a certified payment agreement with the same  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  (  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , and today I made the fourth payment of this agreement at  XXXX   XXXX   XXXX   XXXX , in  XXXX   XXXX   XXXX ,  Puerto Rico, see  included receipts. I was unable to contact the lawyers listed by  XXXX   XXXX   XXXX  as  XXXX   XXXX  Representatives, because not only I saw this letter today after arriving home after  XXXX   XXXX  and I should not wait for this until next Monday, but  XXXX   XXXX  is well aware of this problem, and they should contact  XXXX   XXXX  also, but is not happening.  XXXX   XXXX  has another complaint here about this, number  XXXX   XXXX , but this  one  I want to submit against  XXXX   XXXX  and their representatives h ere in Puerto Rico.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent Experian numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, Experian was able to get my public information. XXXX Court and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask Experian to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that Experian is unable to provide me the documentation. Experian, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will file a lawsuit for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.

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 01/13/2017 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.

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 01/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: I could not make my credit payment to American Express for the full charge amount. I asked for a payment plan. I have been a card member, in excellent standing for eight years. I have paid, as agreed monthly. I was told via chat with AMEX and via phone with AMEX that this would not be reported to the credit agencies as unpaid. It was reported as unpaid the same month I applied for the payment program. My credit has declined significantly due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX XXXX sent a letter to XXXX XXXX dealer service and the XXXX major credit agencies certified. In the letter I asked for a detailed explanation of why I owe the balance that is listed on my credit. As of today I have not received anything however equifax did remove the account from my credit. Transunion and experian disputed the wrong account which I specifically asked which account I 'm disputing.

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 05/13/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AAA Collections (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I spoke with XXXX at NorthStar Location Services. I requested on XXXX XXXX via recorded phone call that all debt file documentation be sent to me for verification. he confirmed it would take one week. 

Two weeks had passed. I then sent a follow up email to the email listed below and received no response. I sent another today and still have received no response. 

I feel as if they are misleading me and possibly trying to avoid me by violating my consumer rights. Please advise as to how I can resolve this. Thank you kindly. 


NORTHSTAR LOCATION SERVICES , LLC XXXX XXXX XXXX, XXXX, NY XXXX XXXX - facsimile XXXXXXXXXXXX Check Us Out! XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 03-10-2016 about Debt collection (Medical) with AllianceOne Recievables Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a XXXX through a company called XXXX XXXX and made initial payments through them. They went out of business so my payments went to the supplier XXXX. They contacted me and indicated that due to my insurance change they needed my updated insurance information, which I provided. I monitored my billing through the XXXX billing portal and it showed a balance due of {$180.00} with a due date of XXXX/XXXX/2015. I paid that in full on XXXX/XXXX/2015 and since that time my account has shown a {$0.00} balance, so I assumed I had paid off the device. I found the item on my credit report in collections even though my account had shown a {$0.00} balance and the company stopped billing me all together. I have several screen shots showing this through XX/XX/2015. I am now being contacted by a collection agency called Alliance One about the debt that was paid and no longer billed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.

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 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX/XXXX/XXXX, I called customer service to pay off my credit card. They gave me the balance of {$2400.00}. On the same day, I made my payment in full. After making the payment, my account balance was XXXX. On XXXX/XXXX/XXXX, I saw an amount of {$24.00} on my card, I called customer service to find more about those charges. I spoke with XXXX, he was from card services Texas center. He said {$24.00} is the interest charges, after informing him about the whole situation, he said as a one time curtsey they will waive the charges but at that time charges were still pending that 's why he could n't waive it and asked me to call back once its posted. 
I called back on XXXX/XXXX/XXXX and spoke with XXXX from Nevada center, she refused to waive the charge. She said her representatives miscommunicated with me and gave me the wrong information regarding the pay off quote and waiving the charges. She said, she will communicate with her agents on this matter and disconnected the line. She either hung up or the line got disconnected. 
I called back again right away and spoke with XXXX XXXX from Virginia center, she read all the notes written by XXXX on my account and said there is nothing she can help me with.She did n't even go over my account or made any attempt to help me. 

I have made a full payment on my account, if Bank of America XXXX have made a mistake then they should stand behind their mistake and take care of this matter instead of hanging up on me or making excuses. 

I want Bank of America to waive the {$24.00}. 

Thank you 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 monetary relief
Consumer complaint received 11-05-2016 about Debt collection (Auto) with EXETER FINANCE CORP. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with MOHELA (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation