milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CURO Intermediate Holdings (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I had taken out a online credit line of {$750.00} and have been paying {$90.00} to {$94.00} ever y 2  weeks sinc e  XX/XX/XXXX  whi ch totals {$720.00} but my amount owed is still {$970.00}. There is no way to get this paid off the interest rate is 279.4 % I believe they are operating under another name upon further investigation which is misleading as well. As everything I have says speedy cash but I dug deeper and found the other name which I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery put collection listed on my credit report all XXXX bureaus as XXXX/XXXX/XXXX. They have never ever ever contacted me regarding this debt. I have disputed this with the credit bureaus no less than 20 times. I have sent Portfolio Recovery a certified letter. 
I dispute the validity of the whole account, I never had an account, I have no knowledge of anything that I owe. They refuse to delete the account. I just received a letter from them stating that in order for them to process my dispute, " I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date, all statements, chargeoffs, disputes, payment history, authorized users, and other information. They have produced zero evidence, in violation of their consent agreement with the CFPB. I have also just discovered that Portfolio Recovery had filed a lawsuit against me, tried to serve me one time, and then dropped the suit ( premsumably looking for a default judgement ). 
They dropped the lawsuit XXXX/XXXX/XXXX. I also had no information, knowledge, of there even being a lawsuit. No one ever sent me a letter or contacted me about anything, just a dump on my credit and lawsuit, and with XXXX disputes they keep dinging my credit report and can not produce anything for a XXXX account, but want me to send them some evidence of some type.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was notified by wells fargo bank and also a law firm called XXXX XXXX XXXX about opting into a class action lawsuit against wells fargo bank for unauthorized accounts and also unauthorized charges made to those accounts. I currently have a checking, savings and also a brokerage account with wellsfargo bank. I have been charged several times in overdraft fees and had to have some rembersed because of bank error. I believe wells fargo bank has been using my personal information to open up accounts and also have made unauthorized charges to my 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 explanation
Consumer complaint received 12/23/2015 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (CA).
Issue: Making/receiving payments, sending money

Complaint: I sent Money through My Western Union WU Pay Account Number : XXXX and for The Receiver Country The Money is on Hold.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (NE).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX,2017 I was informed by an Equifax REPRESENTATIVE that they have update a status on my student loans to read bankruptcy. I never disputed these items nor did the creditor report this. The information was being reported accurately initially. What happened was the representative was negligent and did not read my dispute letter. The account I was disputing had nothing to do with my student loans. My students loans were being reported accurately. So the representative took it upon them without receiving correspondence from creditor or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1.XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.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 07/18/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically  XXXX . Stating nothing but an amount of {$590.00} States   XXXX   XXXX   to which I have never had showing open account as of  XXXX  2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Private student loan debt) with Access Receivables Management (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.

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 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying on my student loan since 1993 at XXXX ( i have proof ) a month that has come out of my checking account ( I have proof ). The total amount borrowed was approx. XXXX. This was the agreed amount ( {$110.00} XXXX taken out of my account, never missing a payment. After paying this for over 20+ years they still say I owe over XXXX with fees and interest. I should not of had fees for default status because after I made 6 monthly payments I came out of default status according to the letters they sent me ( I have these also ). This has been a unjustifiable nightmare since I have complied and done what was agreed upon and set up by them, This loan should have been paid off many years ago but they continually tell me, I owe the XXXX No American citizen should be harassed by our government when they have done nothing except pay the debt. As far as I am concerned and by the facts I have, they owe me money for unjustifiable fees and interest that has been applied for no reason. Please advise. Oh and by the way they will help you in no way to resolve the issue.

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 09/26/2017 about Mortgage (Conventional home mortgage) with Partners for Payment Relief (ID).
Issue: Struggling to pay mortgage

Complaint: Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Other mortgage) with MORGAN STANLEY & CO. LLC (MD).
Issue: Settlement process and costs

Complaint: I had a loan with Saxon Mortgage Services , Inc. Loan # XXXX, I tried to do a cash out refinance to obtain about {$31000.00} for improvements on that property ( XXXX XXXX XXXX , XXXX , MD XXXX ), and Saxon approved Loan # XXXX ; however, when I went to the title Company ( XXXX XXXX ) to sign the papers, I discovered that the interest rate and the monthly payments were much higher then what was promised. At the advise of Saxon 's agent XXXX XXXX I signed the documents anyway that I had three days to decide if I wanted to keep the loan. Two days later I called Saxon and informed them that I wished to cancel the loan, they gave me the fax number to fax the Notice of Right of Rescission which I did and kept my copy. And for the next three months, I continued made my Mortgage payments on the previews loan # XXXX, those payments were never returned nor applied to the newly-cancelled loan. Some time in XX/XX/XXXX, I received a call from Saxon stating that I have failed to make the first payment on Loan # XXXX. I quickly reminded them of the cancellation of that loan and requested in writing an investigation on both loans, on XXXX XXXX, I received XXXX letters from Saxon confirmed my inquiry and stated they will clear the matter and will get back to me. A month later, XXXX XXXX, I received the CERTIFICATE OF SATISFACTION of loan # XXXX, and in XX/XX/XXXX Saxon hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to foreclose on the cancelled loan # XXXX. In an attempt trying to save my Home, I had to file XXXX bankruptcies and still lose everything that I have ever owned. Saxon wrongfully foreclosed and sold my property and I never received from Saxon that {$31000.00} cash out refinance from loan # XXXX had I not cancelled loan # XXXX. Saxon made the mistakes off not cancelled the loan, satisfied the only valid loan, wrongfully foreclosed and sold my house causing me financial ruined and 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 09/30/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: complaint against BBVA compass for not honoring information provided in writing - refusing to cancel auto pay even with 3 days notice- constant mis information provided by the phone agents - excessive hold times and not providing reasonable and realistic to industry standards for payment options

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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 once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, 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 12-08-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against 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