milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX I received two letters, one from XXXX Bank and another from XXXX XXXX alerting me that an application for a credit card had been submitted but they were unable to process this application without speaking to me directly and verifying the information provided. I reached out to both banks and realized I had been a victim of identity theft. I contacted the credit bureaus and received copies of my credit report which listed inquiries made. The thief made well over XXXX inquiries on my behalf, all of which were never processed and were under review by the creditors- except one from Capital One. 

I received a letter in the mail dated XXXX XXXX, 2017 from Capital One, it is addressed to my current name stating, " We need to reach you because we think a credit card account may have been opened fraudulently ... '' My complaint is this, the thief is using my maiden name which by the way is misspelled, they are using a date of birth that is not correct, and they are using the wrong mailing address. How is it possible that every single bank/creditor was able to make sense of this fraud but yet Capital One still opened up an account. 

I reached out to Capital One and sure they were very pleasant to speak with and stated the account had been closed per our phone call but my problem is that it was opened to begin with. My personal information has been put out there and it is a scary feeling knowing someone is using it, what 's even scarier is that banks such as Capital One feel it is okay to open up an account when there are clear red flags. They suspected fraud and still moved forward with approving it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Medical debt) with Asset Recovery Inc (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized credit inquiry dated XX/XX/2018 from CREDCO.

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 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, this complaint is in response toXXXX and XXXX investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. LVNV Funding has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' LVNV FUNDING LLC has not complied with this requirement. 
Debt collector : LVNV FUNDINGoriginal creditor : XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. LVNV FUNDING is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to LVNV Funding certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for LVNV, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.

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 08-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I paid of in Full my Student Loan through the XXXX Website on XX/XX/XXXX using their " Payoff Calculator '' On XX/XX/XXXX they debited my bank account the full amount of my regular student loan. When I called, I pointed out that I paid it off in full and was still debited on XX/XX/XXXX. Furthermore, the website showed the - {$130.00} balance and also stated I was still in " REPAYMENT '', even though other loans clearly said " PAID IN FULL ''. They would not immediately refund what they took from my bank account without permission ( They no longer had permission because I PAID IN FULL ). And would not give me a date of when I could expect my money back. Nor could they change the status to PAID IN FULL. Paying off my loan should not entitle them to continuously debit my bank account! And if a company provides a payoff calculator, and the customer uses it to pay off the loan, then their should n't be any need for the customer to ever call back in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (VA).
Issue: Managing the loan or lease

Complaint: I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 had my credit pulled for the very first time in XX/XX/XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

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 11/13/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: Since XX/XX/XXXX, I have taken active measures with TransUnion to correct an error on my credit report. In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy. Per the counsel of my attorney, I included my student loan with XXXX XXXX as an outstanding debt ; however, I did not request to have student loan with XXXX XXXX to be written off. Even if I had requested to write off my student loan under Ch. XXXX Bankruptcy, I am fully aware that the request would have been rejected - one can not write off a student loan. 

Despite these facts, TransUnion continues to report my account with XXXX XXXX as " closed '', having an unidentifiable balance, and with comments stating, " Included in Ch. XXXX Bankruptcy. '' To be clear, I am actively making payments on this account have been making payments on this account. I have never made a late payment. According to XXXX XXXX, the account is " Current and in Good Standing ''.

I have opened four direct disputes with TranUunion, the most recent of which on XX/XX/XXXX. Each dispute resolution has failed to change the information. By showing that my student loan was closed due to a Ch. XXXX Bankruptcy, I am being financially burdened in that this action adversely affects my credit score. During my disputes, I have spoken with members of XXXX XXXX in which I was told that the information was correctly being reported to TransUnion. Upon reading the results of the most recently closed investigation conducted by TransUnion on XX/XX/XXXX, I immediately requested the investigation be re-evaluated and provided documentation from XXXX XXXX, which stated my account was in repayment and that it had a positive balance. I spoke with XXXX XXXX of the Customer Service Division, TransUnion on XX/XX/XXXX, and she stated that " the documentation provided does not meet the standards set forth by TransUnion '' despite it being an official document provided by XXXX XXXX. 

XXXX is reporting my account information correctly for XXXX XXXX. 

TransUnion 's failed reporting is putting downward pressure on my credit score and adversely affecting my ability to pursue a positive financial future. I do not know to whom to turn. I have exhausted all official channels of TransUnion 's dispute process. Please provide assistance. Thank you.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information, including SSN, DOB, DL #, credit card numbers, and other information which has led to a breach that puts myself and millions of others at guaranteed risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. while their executives took the time to sell shares worth millions of dollars. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have submitted documents to consolidate all my student loans so that I wont have so many different student loan accounts. I have also submitted information on line to set up a repayment with Navient and I have never received a phone call or any thing in the mail. Also I never graduated from XXXX due to the school closing before the term of my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). 
On XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. 

Today, XXXX confirmed that my file was closed for failing to provide a " recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (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: I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX  request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.

Company response to consumer: Closed with explanation