milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I am a long time Capital One customer and used to consider them my preferred bank. 

Recently, I started a new company and because of my prior satisfaction with Capital One I decided that they would be my primary bank. I applied for a Small Business Checking Account on XX/XX/XXXX. After some time they came back to me requesting further information about my business which I promptly provided.
I did n't hear back from Capital One until XX/XX/XXXX ( violating their own 5-7 day policy ) later at which time they told me my new account would be shut down if I did n't respond within 2 weeks time. What new account? I never signed any documentation? I never received any of the required documents to open a new bank account? While this is clearly frustrating and a breach of trust if not the law ( opening an account under a business 's name without their approval ). That is not why I am writing. 

While my account was apparently being setup without my approval, Capital One proceeded to switch my personal credit card account contact information to match that of the business account for which I was applying. This meant that all of my credit card statements and personal information were shared with my business account which is publicly available to my coworkers. Capital One, without my consent, shared my personal financial information with people who had no consent or credentials to receive it. 

It 's a gross violation of my trust and my rights as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed numerous inquires through Equifax to get them deleted because I did not authorize them and I was basically told that I had to contact the creditors that pulled my report even thou Equifax could not supply documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i had a Bill with XXXX XXXX cable that i paid in full. they sent the account to collection by fault of their own. the company that now has the debt will not update my credit report and the account does show paid in full, but they wo n't remove the collection after stating they would. i have tried multiple times to ask them for a letter of the debt being paid in full but they never return calls or answer their phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I have a mortgage and escrow account with Nationstar Mortgage. This month they took an additional amount from my checking account. After the fact they sent me a letter saying my payment was changing due to changes in my Escrow impound account. I reviewed the escrow analysis and everything was incorrect. They had the amounts incorrect and they also had the dates payments were due as incorrect. I was able to fix the amounts but they still have incorrect dates as to when payments are due and this is causing a shortage in my account and they want additional money.     I have called them numerous times and sent them documentation as to the correct dates my payments are due. I even had a conference call with them and the  XXXX  (  XXXX   XXXX  ) tax office to confirm amounts and dates due.      My county  taxes are due on  XXXX  but they have the payment date as  XX/XX/XXXX    My property taxes are due   XXXX   and they have the payment date as  XX/XX/XXXX      This really impacts my cash flow as they want the money in the account by   XX/XX/XXXX / XX/XX/XXXX   when the bills are not due until   XX/XX/XXXX / XX/XX/XXXX .  Last year they had the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In or about XXXX XXXX, I was XXXX which XXXX. The boat that I was riding on for this XXXX race crashed and I XXXX, which left me unable to work. I was able to obtain a reverse mortgage with Champion Mortgage at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with Champion and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. I executed a contract with Champion. After making two payments to Champion, the loan was transferred to XXXX. XXXX refuses to acknowledge the payment arrangement I had with Champion and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent XXXX a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with Champion and XXXX refuses to acknowledge. Now, XXXX mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut gace them a LUMP sum of {$7300.00}. Not only is XXXX acting unreasonably but they are violating the agreement I reached with Champion. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave XXXX a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Why is Chamption allowed to enter into a contract with someone like me then when the loan is transferred, isnt it Champion 's duty to make sure the new owner of the loan is aware of the contract entered into with them. Please force Champion and other lenders dealing with old people to make sure they handle the loans properly and to ensure that if they enter into a contract the new servicer or owner also ABIDES by the contract. Please help me XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Payday loan () with Concord Resolution Inc (Closed) (TX).
Issue: Can't contact lender

Complaint: I have been approached by Concord Resolution ( & XXXX ; XXXXXXXXXXXX & gt ; : advising me that I had a payday loan from XXXX 2013. I asked for a signed document indicating my agreement. " XXXX XXXX '' sent me a collection letter from his organization from another collection agency by the name of XXXX XXXX XXXX. 
I have taken out payday loans but I can assuredly state I did n't get XXXX at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with URS Holding, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On the evening of XXXX I received a text from XXXX XXXX advising a hard credit inquiry had been made on my XXXX report by XXXX XXXX, ID XXXX with contact of XXXX. They further inquired if I had in fact had applied for credit with XXXX on XXXX. I have NOT made any credit application on the date of XXXX with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 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: Information belongs to someone else

Complaint: EXPERIAN IS STILL VIOLATION OF MY RIGHTS HIPPA, CRA

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 02/26/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Auto debt) with Westlake Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested. 

I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan. 
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (DC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: Seterus has unlawfully reported 30 day past due payments to credit bureau, they state for the months of XXXX and XXXX XXXX that i was 30 days late, I have bank statements to prove the funds withdrew from my account before a 30 day time period. They also increased my escrow account to increase my payment and given no proof that the escrow balance was out of funds, Seterus has poorly managed my mortgage account, with numerous harassing phone calls, even though I call them and also fax them if I will be several days late in my monthly payment, but I do ALWAYS pay before ever being 30 days late. When I have faxed them as per their website to contact them via fax never once have I received confirmation of my fax, I just continue to be harassed via telephone calls on a numerous daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (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 contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: I was contacted by a company by phone claiming to be XXXX XXXX. They said my computer was sending out error messages and needed repairs. Later that day I found a sent email as if I wrote and signed a document to a company named XXXX XXXX. I called Chase Freedom XXXX immediately because this was not submitted by me. I was scammed after calling XXXX and finding out it was not them and that they have no association with XXXX XXXX Over the XXXX months of trying to get my money back because I received no services from XXXX Chase finally told me it 's a civil matter now there is nothing they can do even though I was a victim of a scam/misrepresentation they are not XXXX and I am a therapist that could have lost everything I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX we applied for a shortsale on our home as an alternative to foreclosure. After the bank did there bpo, and appraisal they want a price for the home that was too high and wasnt a true market value. After marketing the property for some time with a realtor we finally got a offer once they reduce the price and had another bpo and appraisal done ( 8 months later ). While marketing the property and maintaining it we received an offer in XXXX XXXX and submitted it thru the equator system. We alos received in the same month a foreclosure letter saying that the property was scheduled to be foreclosed on XXXX XXXX, XXXX. In accordance with Cfpb laws a bank is not suppose to have a scheduled foreclosed date when a homeowner has provided the necessary document 37 days prior to foreclosure when they are trying to work out an alternative to foreclosure. During the same month that we provided a contract we received a foreclosure date. In addition we received an email from the equator system in XXXX XXXX saying that the bank was now denying any shortsale proceddings. Not only were Nationstar actions unlawful in accordance with the cpfb laws but they were misleading and costly to myself, the listing and selling agent, the real estate companies, the attorney, the negotiators and others.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have contacted Capital One and I am having issues making and getting credit for payments. On XXXX occasions Capital One has stated that my payment did not go through when in fact I have read my baking information XXXX times. My bank had indicated that my payment did go through last month, which is the month of XXXX. 
I recently contacted customer service and tried to make a payment with my XXXX card. 
Customer service is providing me with a hard time trying to take my payment and will not wave late fees due to their error that I would need to speak with a supervisor. 
I have to waited hours on end to speak with a supervisor with the reason being that both hurricane XXXX and XXXX has impacted Capital One 's business. 
If this is the case, then my late charges should be waved, if Capital one is making errors due to this impact, and is short staffed.

Company response to consumer: Closed with explanation