milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: I have contacted Capitol One to get this 30 day marked removed via goodwill intervention. They claim they ca n't do that but I had another company removed a 30 day mark via courtesy, I was credit reported for {$3.00} which I do not think its fair. I have been a customer for almost 10 years and I advised them on numerous occasions I was a victim of identity theft. I spoke with XXXX XXXX Firm who specializes in credit issues and they advised me that creditors can remove it via goodwill intervention, they state Capitol One should remove it and not sure why credit card companies tell consumers that negative marks ca n't be removed. I need the credit marked removed so I can obtain a lower percentage loan so I can pay off some of my higher cost loans such as my credit cards that have high APRs. Some of the time I get people that can barely speak English. I am an American I need to speak with a rep that I can understand. What Capitol One is doing is unfair, I only have XXXX-30 day mark and they clam it ca n't be removed when I know the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My account at Wells Fargo continues to be a topic of debate between me and the bank. It has been in the negatives over {$300.00} for over a month now with no resolution from the bank. The account has been frozen since the original incident, however somehow it continues to continue to drop into the negative. I have provided the bank with multiple proofs as to why the account should not be negative, however Wells Fargo refuses to recognize them.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The balance of my student loan has been paid from XXXX of 2012 to XXXX 2015 of a total of {$23000.00}. 

In XXXX and XXXX of 2015 the payments were late and shows on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Mid Michigan Credit bureau is reporting under XXXX credit bureaus accounts that they have not verified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My attorney XXXX XXXX sent Nationstar Mortgage a letter over a year ago demanding them to itemize everything from when I cured the default because they claim I still owe {$600.00} for leagal fees they claim they paid. I cured the default and the loan was assumed. My attorney XXXX XXXX said the amount I paid to cure the default included all fees and peneltys so he was curious as to why out of the blue I owe {$600.00}. XXXX XXXX sent Nationstar Mortgage a letter demanding they itemize and prove I owe the {$600.00}. It has been over a year since he sent that letter and Nationstar has not responded. 
My father died nearly 3 years ago, I sent them a death certificate right after he passed in XXXX, in XXXX I get a letter from them saying they just found out my father passed and wanted to know who was handling his estate?????? 
That 's just it there is no estate of XXXX XXXX XXXX, it was handled years ago by XXXX XXXX and I. How many times do I have to prove it??? 
Nationstar is a horrible company that does not respond to Letters from attorneys and obviously cant file documents I have sent 2 different times. 
I have filed a complaint here on this site in the past for the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently pulled my credit report and found that Experian reported wrong information into my report. 
I am requesting that these accounts must be assessed for accuracy.

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 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Professional Debt Mediation Inc. has been handling an unpaid debt of mine. They have listed this collections account TWICE on my credit report, which I understand to be illegal. They listed my debt of {$380.00} under two different account numbers so that the credit bureaus can not remove the duplicate account. In addition, every time I call them, they are very rude and unhelpful. They made it seem like the practice of putting the same debt on your credit report twice is acceptable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've tried for months through other mediums to rectify this incorrect information that XXXX XXXX reporting to credit bureaus. I know that they have been cited/sued for unfair treatment of consumers in the past according to the FCRA and I believe that I 'm being treated the same way. 

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with them and I am not liable for this collection from XXXX XXXX XXXX. Furthermore I am not responsible for the debt with Portfolio Recovery Associates. 

I demand to see proper Validation of this supposed Debt ( Signed Contract, Signatures ) or for it to be Deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Diversified consultants is calling nonstop harassing me 3-4 times a day- I have clearly stated to them I am searching for solutions for a bankruptcy and to please stop calling and after that it has gone crazy nonstop calling at home number cell number at all times of the day. I am going crazy I am stressed and can not sleep at night I am sick over this. 
This is not normal collection practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was a co-signer for a loan entered in to onXX/XX/XXXX for {$2900.00} with a maturity date of XX/XX/XXXX, the monthly payments were {$98.00} per month for 35 months. This account was paid off XX/XX/XXXX ( Paid off early and in full ) While I was looking over my credit report I seen where this company had reported several late pays to my credit reports, There was never any late payments at all. Every payment was made 1-2 weeks early.
I have sent this company two letters to try and resolve this situation, and they have sent me computer generated ledger that does n't even have my name on it, It has the person I co-signed for listed at the top. I so not see this as any proof or verification that any of the payments were ever late, as per the FTC option letter from Attorney XXXX XXXX XXXX, A printout of a bill or itemized document does not constitute verification.
They sent me a copy of the contract and it does not have my correct name at the top, It has a last name that is not mine and surly was not legal at the time I signed the document.
Furthermore, After I sent the first letter of dispute, They failed to mark my credit reports with the credit reporting agencies as " Disputed '' This is a serious violation of the law.
They did go into my credit reports and change dates of the late pays after the second letter.
The first letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX The second letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX I feel that they have had ample enough time to research this a little better and send me copies of my canceled checks or take the late pays off my credit report or both. I do not feel that they did anything more than print out copies to send me and then did nothing more to investigate.
I have done extensive research on this company and found that they are notorious of holding onto payment and marking them late so they can get late payments from their consumers. However even though they marked my credit reports as late pays, There was never no late fees paid to this company from us

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 07/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, 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 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.

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 11-07-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have received XXXX judgments along with garnishments against my paycheck on XXXX them. These were both Capital One Bank credit Cards that went into collection XXXX 2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with CarMax, Inc. (GA).
Issue: Managing the loan or lease

Complaint: I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Medical debt) with Pan Am Collections, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (VA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''

Company response to consumer: Closed with explanation