milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Sale of account

Complaint: I had a credit card with Capital One and got behind on my payments, Capital One got a judgment lien on my home ( XX/XX/XXXX ) and tried to attach my wages, but I made a settlement with their collection attorney and sent the law firm the funds on XX/XX/XXXX. However, Capital One has not released the lien on my house, or signed a satisfaction of judgement. My house has since gone to foreclosure, and I have negotiated a 'quick sale ', to avoid foreclosure ... But I need this lien released I have a buyer and approval to sell my house, but title is now clouded by this Capital One lien. 
1. I called the Law Office ( XXXX -but their phone was disconnected, So I looked up the attorney, XXXX in the California Bar and got his phone number and called him. XXXX said he does n't work for Capital One anymore and to call Capital One 's, So I called Capital One customer service says that the account is closed and paid, but they also sold the loan to " XXXX '' ... So I phoned and faxed all the settlement information to a " XXXX at Capital On and to XXXX -with their case number & XXXX. On XX/XX/XXXX and again on XX/XX/XXXX and again on XX/XX/XXXX. 
I have n't received any response and I need to get proof to the XXXX county to get the lien released. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with LDF Holdings, LLC (OK).
Issue: Can't stop charges to bank account

Complaint: I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MFP, inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.

Company response to consumer: Untimely response
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my  credit score f or  XXXX  company.

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 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I could not find a proper category to check off in your website ... This about Pay Pal. I was using Bill Me Later to pay for my XXXX XXXX XXXX, and Bill Me Later became Pay Pal. XXXX ended its association with Pay Pal. I now pay XXXX directly. Pay Pal continues to send me bills. They tell me I owe them over {$1000.00}. I tried to call, but they were rude. They said I took out credit with Pay Pal, and I did not make any credit agreement with Pay Pal, I only used Bill Me Later to pay for my cheap internet once a month. Pay Pal keeps sending me bills! Please help me get Pay Pal off my back! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There a re two collections accounts on my credit. These are not my accounts.   XXXX   and  XXXX  have both removed them fro m my account. However, Experian will not remove it. I have sent letters disputing this with them. They do nothing. I have asked Experian to provide proof that these inquiries were in fact authorized with an instrument bearing my signature. They can not provide any proof, because my signature was never used for these accounts. They do not belong to me and Experian per section  609 of F RCA must provide the original proof that I signed for these accounts.

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 04/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Closing on a mortgage

Complaint: IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.

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 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( 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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Inaccurate employer keeps reappearing on my credit report ( 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 non-monetary relief
Consumer complaint received 12-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: See attached letter of XXXX/XXXX/15 from me to Bank of America for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed " shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Bank of America dated XXXX saying that the vendor did not agree to this and requested " documentation '' from me such as a " date you canceled with merchant, '' " their response, '' " proof, '' " date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Bank of America said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Bank of America 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Bank of America is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.

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 03/22/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (MD).
Issue: Managing the loan or lease

Complaint: I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.

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