milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted Capital One Credit on XXXX XXXX, 2017 regarding denying my access to online banking account to pay my credit card bill. I tried to access my credit card account with the same user id and the same password as I have always used and was denied further access to look at my credit card account information unless I provided my income information and employment status to the company. After calling the company and speaking to a representative and an IT technician I was told that I must provide this information in order to have access to my online account to pay bills. I was never notified by Capital One of this policy change and that unless I provide such information to them I would no longer be able to pay my credit card bill online in the future. As I was told the information is needed for security purposes and identity purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Disputed a debt with Transunion stating that the same debt is being show twice, once by the original creditor and once by the assigned/sold to collection company. XXXX Disputes ( XXXX Bank ) is being reported as delinquent but closed for {$16.00}, XXXX and they sold the debt to XXXX which also has the debt listed on my TU credit file a second time with a different delinquency date and same amount. This is double jeopardy and illegal. Anyone looking at my report sees XXXX bad items ( original debtor reporting and collection agency reporting same debt ). This is unfair practice and illegal manipulation of the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I pulled my credit report and saw that Experian is inaccurately reporting information on my credit report. More specifically, reporting 30 days late on my XXXX XXXX/XXXX account for the month of XX/XX/XXXX.

On XX/XX/XXXX, I contacted XXXX XXXX/XXXX  regarding the Experian reporting 30 days late on my credit report. XXXX XXXX/XXXX provided me with correspondence indicating that XX/XX/XXXX should be reporting as current and that they would notify the credit bureau of said status.

On XX/XX/XXXX, I again pulled my credit report and Experian did not update the 30 days late to current. Therefore, I filed a complaint with the CFPD ( Complaint Number XXXX ) against Experian.

On XX/XX/XXXX, I received a notice from CFPB that Experian had responded to the complaint. Experian states that they contacted XXXX XXXX/XXXX and They responded and verified that the disputed information was accurate as reported. It said information was accurate as reported, then please explain why XXXX XXXX/XXXX  would provide me with a letter indicating that the XX/XX/XXXX 30 days late should be reported as current?

On XX/XX/XXXX, I received an email from Experian indicating that it could take up to 45 days for me to receive results.

On XX/XX/XXXX, Vague correspondence from Experian indicating reinvestigation is submitted and complete.

On XX/XX/XXXX, Correspondence from Experian indicating the XXXX XXXX/XXXX   account was updated but it is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Experian indicates Experian is currently investigating the disputed account information.

On XX/XX/XXXX, Correspondence from Experian indicating the reinvestigation is submitted and complete and was updated but is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Commentiy XXXX/XXXX  indicating that the account should be reporting as " current '' NOT " 30-days late ''.

On XX/XX/XXXX, Pulled my credit report once again and Experian is still reporting this as late.

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 03/28/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (WA).
Issue: Struggling to pay your loan

Complaint: 2016 year I do not want to be called nor harassed by any payday loan debt collect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. 

The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. 

This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was in good standing with my student loan servicer for almost 10 years. In 2014 I started a business and simultaneously lost my job. I was able to make payments for a while but I make almost no money $ XXXX-XXXX gross per month and it has been that way ever since. I applied for IBR swiftly upon realizing how tight my finances were going to be and for the 2015 year I did not have to make any payments. This year, the same company, Edfinancial is doing their best, it would seem, to block me from IBR even though I am making roughly the same amount and I am 9 months XXXX, about to give birth any day now, and am on Medicaid and Food Stamps. I have asked them 4 times now what precisely they need from me in my statement of self-employment and each time they have given me incomplete information. I have applied with the information they requested only to find out, too late, that my application had been rejected and I owed. They keep saying " Oh, its ok you can apply your forbearance. '' Clearly, this is how they rope people in who are not paying attention. I do n't want to use a forbearance when it is their fault. That is for emergencies and they are divesting me of it as a cheap trick to make a dime. I have asked to be put in contact with a manager. I will continue to get my account switched over to IBR but they are making this process convoluted and I feel like its an attempt on their part to trick me out of the resources I have so that I am living month to month waiting for them to prey upon the meager income that I make.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (LA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with LEXISNEXIS (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Medical) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program.
The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but Trans Union will  not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.

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 11/15/2017 about Debt collection (Payday loan debt) with Debt Management Partners LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a several private loans that I procured and when I lost my job I was unable to pay them in a timely fashion. I had co signors for these loans. I have since started working and I started to make small payments on getting these handled. I am currently working through Navient. I was unable to make the payments for a while so I was not able to make the payments. I got a call last month stating that the only payment options would be gettting a loan to pay {$11000.00}. This would remove the co signors from my loan. I told them that I am not able to pay that amount all at once. They suggested borrowing money, asking for a loan or using a credit card. I told them that with my credit history due to my defaulting on loans. It was not an option They gave me another option to pay {$35000.00} and the amount would be settled. Again, I do not have access to this money. They say they will reach out to my co signors and ask them for the money. I told them, I understand that I asked for a loan and that I have a co signor but they are not in the position to help and I want to take full responsibility to clear this up. I do not want them to harass my co signors. I also want them to be able to understand that i want to make a payment plan that is affordable for me. The last option was to pay a down payment of {$2500.00} and then pay $ XXXX/month. None of these options are financially viable for me. I am renting a room, i pay child support and I have other obligations that I am paying. I would have no money to eat or live if i were to accept this. Because these are private loans I have no option to consolidate these loans with my other Fed Loans ( which are currently being worked on and has been an easy process so far ) I feel like i was taken advantage of when i was younger and unaware of the credit implications later on down the road. I want to make these payments but they are not working with me. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.

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 02-08-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My loan servicer ( XXXX ) mistakenly applied a retroactive forebearance to my loan payments for the months of XX/XX/XXXX-XX/XX/XXXX after I had already made the payments in full and on time. They are now refusing to count those payments as part of my public service loan forgiveness ( PSLF ) qualifying payments. In addition there are various other months where they miscalculated my payments and as a result they are 16 months short of what my records indicate the right number should be. Since XX/XX/XXXX I have been requesting a review/recount and have been strung along by them repeatedly. The latest excuse is that they are waiting on approval for an expedited review since it has been so long, but even that approval has taken them over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. 
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation