milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Overlimit fee

Complaint: My Capital One credit card was written off XX/XX/XXXX. The debt was sold to a bill collector. The bill collector ( XXXX ) says they are Collecting for Capital One. I just verified this statement with one of XXXX agents over the phone on XX/XX/XXXX. I have been paying on this account to XXXX for over 4 years. On my credit reports the capital one bill decreases with payments made to XXXX. Also, the account with Capital One EXCEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see my signature agreeing to OVER the LIMIT fees. Is n't it criminal to set a credit limit for me then charge me more, because your over the limit fees, place me over the limit more??. Even though Capital One wrote this off in XX/XX/XXXX, they have still been collecting money on this account as late as XX/XX/XXXX. If you look at the decreasing balance on my credit reports for capital one this is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company change the apr and monthly payment and did not send any notification of the changes to my address, their customer service department, has People who are not even qualified to answer questions they give you wrong information over the phone then they expect you to tolerate their inconsistent behavior and lack of knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

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 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XX/XX/XXXX I submitted a complaint/dispute ( Case # XXXX ) regarding a hard hit inquiry on my Transunion report from XXXX XXXX on XX/XX/XXXX. Transunion never responded to my dispute and therefor is in extreme violation of the Fair Reporting Act time requirements. Therefor Transunion needs to remove this disputed hard hit inquiry from my credit report immediately.

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 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
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: On XX/XX/XXXX I reached out to Navient to make a payment on my student loans and was told that I was not current. I thought I was under deferment for a year, Navient claimed they had tried to reach me but the number that I have has been the same since XX/XX/XXXX. I then was forced to accept a forbearance, which later I found out because of my current situation I should have been granted a deferment, and made a post dated payment of XXXX.I have a number of issues with this company. On XX/XX/XXXX, I reached out to the CEO of Navient to correct inaccurate late payments that they were reporting to my credit report. In reference to Section 623 of the FCRA that he fix the inaccurate late payments that was horribly affecting my credit and my ability to obtain employment. I have been turned down 3 jobs so that is what made me look more into my credit report. I gave him a receipt of 15 days and still no reply. On XX/XX/XXXX I reached out to Naveint again, and was defiantly told that I should have been offered and granted a deferment and that XXXX XXXX, CEO would be contacting me within 48 hours to discuss this matter, I received no call for him. I then was told that I was in forbearance but on my credit report it was reporting as deferred for 3/4 of my loans. I have tried to be patient with this matter but this is not getting me anywhere. I cant even obtain a descent job in the field because of the inaccurate late payments they are reporting to my report and it is taking a toll of my finances and also my personal life. All I want them to do is update my late payments and give me a reasonable amount to pay back until I get on my feet which I do not mind

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I started out with a home mortgage with   XXXX   XXXX   in  XXXX , then it was sold to  XXXX , then to   XXXX   XXXX   XXXX  , In   XXXX   XXXX   we got a letter telling us we should send our payments t o OCWEN Loan S ervicing, and we can not send enough money to these people. They are very unprofessional and have ripped us off so many time we have lost thousands of dollars just to stay in our home.We can no longer substain, this as we both are retired, and living on a fixed income.   XXXX   XXXX  , they sent my check back saying not enough funds.We have tried to refinance and they block us every way we go, so please help us or give us some advice as what can be done with our circumstances. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter from this company demanding a fraudulent debt. 

This claim was alreaduy remvoed from my credit reports beforehand after I filed it with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan docs state that PMI may be removed from our loan when the LTV reaches 78 % and allow an appraisal to be ordered in order to obtain a more current valuation for the LTV calculation. 

However, after the appraisal was completed, Nationstar is refusing to honor that document citing XXXX investor guidelines that state that for the first 2 to 5 years of the life of the loan, PMI may only be removed from loan when the LTV reaches 75 % if a new appraisal is required to obtain a more current valuation for the LTV calculation. We never signed anything agreeing to this particular XXXX guideline. 

Further, the appraisal came in much lower than we had anticipated. We purchased our home in XXXX of XXXX and at that time the appraisal came in at {$430000.00}. The appraisal that was ordered in XXXX of XXXX came in at {$470000.00}. This indicates that during the 2.5 years of rapid appreciation of real estate in our area following the bottom of the housing market the value of our home only appreciated a little over 7 %, a claim which we find to be borderline insulting particularly given the comps in our area. 

Since XXXX XXXX, we have been trying to resolve these XXXX issues with Nationstar, but they refuse to cooperate.

Company response to consumer: Closed
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me. 

" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide. 
XXXX. The answer was quite rude. 
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with. 
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact. 
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations. 
XXXX. These tactics are against the Fair Debt Collection Practices Act. 

The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up. 

I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above. 

I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (VA).
Issue: Managing the loan or lease

Complaint: Ford Motor Credit is attempting to charge me a {$100.00} fee for a " speeding ticket '' on my vehicle. Ford notified me of the ticket at some point in XXXX 2016, and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of {$100.00} on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I had to call back and managed to speak to XXXX XXXX from the XXXX Department ( I later called Ford Motor Company and they informed me that there was no one with that last name and that it was possible that XXXX gave me a false last name ) who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told XXXX XXXX that I will look at terminating the lease because of this and that I would be filing a claim and mentioning him by name, he stated " Go ahead and do it, I 'm writing it down. '' I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, XXXX XXXX refuses to eliminate the fee. To be more specific, the letter stated that one would have to notify " us '' at the phone number listed above. The only phone number listed " above '' was the XXXX government 's number. Given that I never directly received a ticket ( I only received a letter from Ford notifying me of the ticket ), it was my reasonable understanding from that letter that XXXX was in constant communication with XXXX and thus, by contesting the ticket at the " above number '' ( XXXX government 's number ), I would meet the notification requirement. XXXX admitted that it was a mistake on the letter but he stated that he will not remove the fee. Furthermore, XXXX stated that I had 30 days to pay the fee and that my contestment was dated XXXX XXXX. I explained to him that in order for one to have evidence of the contentment, you must receive an email confirmation from XXXX of your submission ( I told him that he could verify this information on the XXXX government 's website ). I contested the fee two days after I received the letter. More than a week passed and I never received the confirmation. I proceeded to contest it again and then many days later, I finally got the confirmation. XXXX told me that I needed proof of this because otherwise I was lying. XXXX was extremely disrespectful, he raised his voice to me and even proceeded to not let me talk and explain. I want the fee removed and XXXX held accountable for his disrespect and actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Debt collection (Medical) with Vengroff Williams, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I changed companies. My old companies health provider was XXXX XXXX and my new Health Provider was XXXX. XXXX when I want XX/XX/XXXX to XXXX I gave XXXX XXXX my new XXXX XXXX information. XXXX XXXX mistakenly billed XXXX XXXX for the XXXX and they paid it although I wan no longer a member. 
XX/XX/XXXX I received a letter from XXXX fomenting payment for {$330.00} for my prescription. I called them up and asked them why there not requesting payment from XXXX XXXX and they said because I XXXX. I called XXXX XXXX and they said that this type of mistake was common and that they would just " reverse '' the charges and bill XXXX. this week I received a letter from a Bill Collector the XXXX hired to collect this dept. 

I do n't feel that this is my dept. I paid XXXX XXXX my {$25.00} CO-Payment and my business transaction was with them and I had no transition with XXXX but now my good credit is in trouble because this debt has gone into collection. 

This is another case of BIG BUSINESS squeezing the working man. 

Please help me. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX Contact : XXXX @ XXXX / ID # XXXX XXXX XXXX Contact : XXXX @ XXXX Collection Agecny : XXXX / case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: Select Portfolio Servicing are in violation of HAMP Rules found in Hanbook 5.1, dated XX/XX/XXXX. Section 3.1 of the HAMP Handbook clearly reflects that a a servicer must not refer or conduct a scheduled foreclosure sale " until '' the borrower has been evaluated. Thus, in the event the request is denied, servicer must allowed additional ( 30 ) days to appeal such decision. While on review the servicer contacted their legal representative to re-schedule a sale date. See attached motion to reschedule sale date by the plaintiff on XX/XX/XXXX, while in review for a Federal program Tarp. The Consumer Financial protection Bureau is fully aware that Tarp- is the " centerpiece of the [ Emergency Economic Stabilization ] Act [ of 2008, ] '' bestowing a host of " duties and powers '' upon the secretary of the treasury for the purpose of facilitating economic recovery. XXXX v XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( Cir. XXXX ). Hamp is one component of tarp focused specifically on protecting home ownership. See 12 U.S.C. 5219a. Florida Banking are govern by the Minnesota 's statutes of fraud. Servicer has failed to abide by the State and Federal Rules pertaining to the Loss Mitigation option, and Tarp program created to " protect '' home " ownership ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation