milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 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: Investigation took more than 30 days

Complaint: I am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a summons mid XXXX to go to court on XXXX/17 by  portfolio recovery for that from XXXX for {$640.00}. 

I have sent a letter to portfolio recovery and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe Portfolio Recovery any money. 

I am being harassed and what they 're doing is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The statement has a Total affiliated with only XXXX license plate number. 
Actually there are XXXX license plate numbers shown in the Tag No. column. Also, the Total is {$10.00} more than the sum of the amounts shown when adding up the Amount column. There is no explanation or category that explains the additional amount. They are also threatening me with immobilization and impoundment etc. This seems like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My loan is one of those XXXX loans that were upside down then they went under and my loan was sent to XXXX, where i was offered a numerous amount of loan mods but when I called none of them were valid. Then it was sold to Specialized Loan servicing which has also been a disaster. I have tried to contact them for assistance. My payments are late because I was told my payment was XXXX and thats what i was sending, then it started going up and I was never told that it was gon na happen. So now I am like XXXX behind and never been able to get help. I know I should have gotten a lawyer when all the XXXX situation happened but I wasn't very knowledgeable. Now I am reaching out to all the avenues to see if I can get some help I have reached out to XXXX, SLS, XXXX XXXX XXXX even tried getting help with a company called XXXX. We are always worried that we are gon na come home to find an eviction notice but every month we send XXXX but we don't know what to do anymore Im begging for asssitance and file a complaint on all these companies. I feel that its something wrong that has been done. I have practically been renting my home with no stability.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Auto debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On  XXXX   XXXX ,    2017  I received another letter from  XXXX   XXXX   XXXX   XXXX  after I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  Chase an d   XXXX   XXXX   with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Document  s i.e. State ID & Social. After receiving all the necessary documentation from me to block this fraudulent account from my credit profile per 605B of the FCRA they had removed it from my credit report.
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All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently began to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is   now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Federal student loan servicing) with RevCrest, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do have a student loan open with XXXX. I am currently repaying my loan on their terms. i received a letter from RevCrest Inc. about two months ago and they stated they were holding my loan. I sent a debt verification letter to them and I have received nothing. This is their second attempt to collect on a loan I do not owe. They are also asking I put my social security number on all documents. I feel this company is fraudulent and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.

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 07/27/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX XXXX money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of Bank of America Card Services, NA./FIA Card Services , N.A XXXX problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 XXXX XX/XX/XXXX, Bank of American wrote off this bill. Thus leaving a balance of XXXX owed. 3 ) The original bill of sale was from Bank of America to FIA card Services, N.A 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in Delaware, I am not sure if they are legally able to operate in the state of Georgia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I did n't make these charges. They are 100 % unauthorized. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: It was done today and I got the money today in my account. They initially stated that the payoff would be {$650.00} with the interest which did not happen. The interest rate on a {$500.00} is 831.1006 % and my ending balance that will be paid is {$2000.00}. It was all done online and I had no idea that it was illegal to do an online payday loan until I did my research ( which I should have done ahead of time ). I was desperate in need of money but had no idea what I was getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I spoke with a agent from Capital One on XXXX XXXX, 2017 about my account. I explain to agent that i lost my job and was going through financial hardship. Agent told me she understand and they do have a hardship program. I ask how to get started? She said let me see if you eligible.. She put me on hold, came back said you 're eligible. I replied good need it until i find a job! She ask me how much do i think i can pay now.. each month? i told her XXXX each month until i find a job. Agent told me ok.. best to pay something to keep account up and void late fees! So i set up auto pay with the agent for XXXX dollar come out every month. First was to be at the end of XXXX. Payment came out good! about 3-5 day later i noticed a XXXX add to my balance. I call Capital One about the change in my account.. ( XXXX XXXX ) Agent told me i was denied for the hardship program. huh? No one notify that i was denied.. no email, calls. Agent was quiet. I ask can i speak to a Manager? She put me on hold 3mins.. came back said no Manager available right now! One will call you with in 24-48 hours. It been a week no calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Referencing : Case XXXX XXXX XXXX/XXXX/XXXX I was inquiring about the Navient Law suit and I was n't sure the process of seeing if i qualify for a reimbursement of the student loans charges on my account. Navient Acct : XXXX Amount owed : {$84000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have contacted Naviant for over 5 years requesting a loan payment that I could afford. I have NEVER made over {$47000.00} a year. The representatives never told me of the Public Servant Loan Forgiveness Program. They have ONLY offered to put my combined loans ( combined with my now ex-wife ) into forebearance or deferment. That is NEVER what I wanted, because it does not help with paying the loan off, and the interest accures. I have asked approximately18 times to speak with a supervisor or to speak to someone that spoke English as a first language. Those requests have always been turned down. I have also asked, repeatedly, that the loans in my name could be seprated from my ex-wife. Her loans are only a fraction of mine, but they say it is not allowed, even though we have been divorced over 6 years AND the divorce decree stipulated that to be done. 
We have mailed them tax returns, pay stubs and filled out the same forms many times and they say they never receive them. The interest on the combined loans has now passed 92 % of the amount owed. I have been mislead and steered to deferrment and forebearnace when other, more suitable options were allowed, though NEVER offered. I feel I was intentionally and systematically cheated and I now have no way to afford paying off loans that now total close to {$90000.00}. I only atteneded state run iniversities and this was simply to receive a 4 year degree. 
I am requesting for some sort of action to be taken against Naviant in my name. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Webster Account Solutions LLC (CT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Good day, We were in the process of refinancing our now mortgage, the closing Attorneys did a title search and found that we have a lien on our property from XXXX XXXX. In 2009, we filed XXXX, the XXXX  Lawyer didn't let us know, when we finished in court, that the bankruptcy didn't cover the mortgage. That was 9 years ago. I contacted the XXXX   Lawyer and he told me he doesn't have my file any more. I also, contacted the payoff department at XXXX XXXX, they couldn't find any mortgage amount with my name and social security number. Our closing Attorney sent a lien release request to a XXXX XXXX XXXX, who is the XXXX XXXX / XXXX with XXXX XXXX. They will not release the lien, even though we are not responsible to pay the mortgage?? We have not made one payment on the loan in 8 years?? No one has ever contacted us about paying the mortgage. So, that is where we are, as of today. We are just looking for a little help, on what to do about this lien. 
Thank you, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by   XXXX   XXXX   I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b  (  c   ) and a serous breach of my privacy rights.

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 02/22/2018 about Debt collection (Other debt) with Aspen National Financial, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX we purchased a timeshare with XXXX XXXX in XXXX FL. In XX/XX/XXXXXXXX XXXX of XXXX transferred our property to XXXX XXXX in XXXX FL. We did not want that property. We did a quick claim deed with XXXX XXXX in XXXX, FL and we did not own this property any longer. XXXX was also involved in this matter - they house points and maintenance for the properties involved. XXXX was sent a copy of the quick-claim did from XXXX XXXX at the time it was entered into files at the courthouse, so that dues and maintenance monthly payments were stopped. After numerous calls to make sure that this was taken care of - I again sent it to them in XX/XX/XXXX. They state that this was not sufficient to stop the dues piling up and that I still owe dues on this property for the maintenance. When they contact me it is usually the same voice and he threatens me to take me to court and make my life a living XXXX. He has said I was trash and he would make sure that this never falls off of my credit. I have tried to explain to him the whole story and he states that they have the quick claim deed but that does not matter to him. 
I need help getting this removed from my credit ... I have nothing else bad on my credit and there is no explaining to XXXX. I do not owe any dues - I do not own the property. 
We followed the steps we were told to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called Capital One on XXXX/XXXX/XXXX about late fees charged to me in XXXX XXXX and XXXX XXXX. I paid bill electonically from my checking account, but bank delayed both payments. XXXX was duecto holidays and XXXX because the XXXX due date fell on Sunday so Monday the XXXX was the next busiess date. I tried to have fees removed but representative declined to do so,

Company response to consumer: Closed with explanation