milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XX/XX/XXXX and application for a Capital One credit card was processed. This was done by my ex husband without my permission.

Upon finding out about the accounts existence and how it could negatively affect my credit, on XX/XX/XXXX, I immediately contacted Capital One and requested that the account be closed.

The account was never paid late and it's current status is " Closed ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a forbearance by a gentleman on the phone who assured me that a forbearance would get rid of my late student loan payments ( which I could n't make because I lost my job ). On XXXX and XXXX he kept his end of the bargain and they deleted the past student loan late payments, but on XXXX, I am still showing as late. 

I was recently promoted at my job and will have no problems paying my bills on time Please update XXXX to not show the late payments as discussed in the forbearance and I will be satisfied and my financial future will be back on track. 

I have attached a copy of my XXXX XXXX credit report, dated yesterday that I paid for, as well as a close-up image showing the discrepancy. 

Thank you for your assistance in this matter, and I look forward to seeing the result showing as it should be properly reported per my verbal conversation with the representative at Great Lakes,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with ALLY FINANCIAL INC. (AZ).
Issue: Struggling to pay mortgage

Complaint: In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX XXXX is reporting on my credit an account opened in XX/XX/XXXX, classified as adverse account ( exhibit 1 ) updated in XX/XX/XXXX that was not in my credit prior to that date. It is described as individual second real state mortgage with late payment of 150 days, I haven't acquire any house mortgage with XXXX. I went to the bank on XX/XX/XXXX and ask for origination verification evidence of the debt, XXXX XXXX XXXX told us that it was too old to have evidence on hand. On XX/XX/XXXX I send a dispute and verification letter to XXXX ( exhibit 5 ) and again in XXXX XXXX ( exhibit 9 ), at this date only 4 collections letters I received ( exhibit 7 ). Forty-five days have pass and my FTC under FDCPA rights are been violated also the DACO in Puerto Rico Commonwealth Law 364, Art 5 to 9. Its a time-barred debt and an inactive account should not be over 10 years in the credit report.

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 06/21/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MA).
Issue: Managing the loan or lease

Complaint: I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on 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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: ALL CREDIT AGENCIES LISTED FRAUD/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last four years and this was explained to MCM Midland Credit Management , Inc of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XX/XX/XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a XXXX % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Mortgage (VA mortgage) with MIDFIRST BANK (MO).
Issue: Loan servicing, payments, escrow account

Complaint: For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. 
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.

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 10-07-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (GA).
Issue: Transaction issue

Complaint: In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Back in XX/XX/XXXX my account was hacked by someone ordering things from XXXX. They charged over {$1100.00} to my account causing my account to be in the negative. I told Chase bank about this fraudulent charges on my account and sent me to their fraud department. So Chase bank reimburse me back the {$1100.00} dollars and I asked them did I need to pay this back to them or does this belong to the bank. I was told by their representative that it was my money. Fast forward toXX/XX/XXXX I 'm charged back the {$1100.00} which caused me to be negative {$1100.00}. I 've called Chase and they informed me that wish .com put the money back in my account. So I asked Chase bank if Chase paid me and Chase fraud department handled the case then should n't they have got reimburse by XXXX XXXX? How did Chase deposit money that was owed to them into my account? So now they want me to pay off this negative balance that Chase bank wrongly messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with ACOPIA CAPITAL GROUP (FL).
Issue: Closing on a mortgage

Complaint: I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.

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 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I received a {$3000.00} Perkins Loan that was handled through the University of XXXX by XXXX  while I attended the University of XXXX. The bill recently came due as you can see by the attached statement. It clearly shows a Date Due of XX/XX/XXXX and a Payoff Amount of : {$3000.00}. When my Father went to pay the bill on XX/XX/XXXX he was informed that the total due would be {$3000.00} as the interest started accruing on XX/XX/XXXX when the grace period ends. This is stated on the statement as well, but clearly the company miss stated the facts. One line they show Grace Period ending XX/XX/XXXX ( in extremely small print ) and then they show a payment due date a month after interest starts ( at the top of the statement in BOLD TYPE ). This is a clear deception. Why not just say the invoice is due on XX/XX/XXXX instead of XX/XX/XXXX? The only reason is to start charging interest before the they state the bill is due/ I asked them to remove the {$12.00} and they refused. I realize this is only {$12.00} to one student, but multiply the number of students who pay off their loan in full by XXXX XXXX and it adds up to an extra income to XXXX of {$12.00} million dollars. Multiply the extra months interest by the number of loans they write and collect and XXXX   could be making 10 's of millions in extra interest that no one really knows they are charging. I also want to point out that just saying the grace period ends on XX/XX/XXXX does not mean they immediately start charging interest if the 1st payment is on due until XX/XX/XXXX. Their deliberate confusion is a money making proposition for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: I have not received my pay check that was direct deposited into my rush card account. I have not been able to provide for my children and my bills are mounting up. I need my money so that I can provide and Rush card has kidnapped and is still hold my money that I worked for as hostage. Please help ..I am in a bind. I will never use Rush card again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with Synovus Bank (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue.

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