milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with Gatestone & Co. International Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Payday loan () with ACE CASH EXPRESS, INC. (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full of XXXX remove from my credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was a XXXX XXXX patient in XXXX when I suffered a XXXX. I was admitted to the hospital and kept 9 days. Ever since I have been discharged, I have had 4 providers billing me directly. My insurance company sent them warning letters for them not to bill me directly, I also emailed them copies of the letter which stated that they are breaking the law by doing that. They also are submitting the bill incorrectly, and one provider just refuses to submit bill to my insurance company despite the supervisor of my insurance company calling them directly. They sent the bill to collections, first one agency and then another. I did not receive any notification other than one call. I did not get a chance to dispute the bill. They also could not provide any info on who they were collecting the debt for. I told them I will not pay until they can provide me with proof on who they are collecting the debt for. A few weeks later, I was sent an email from XXXX that there was a collections notice on my report. I contacted the first agency that was listed on the report ( XXXX.ph : XXXX ), and spoke to XXXX who denied any knowledge of sending my information to the other collection agency, he only stated that they could not collect any debt in XXXX. I then called up the other collection agency on the report ( Allied Collections, XXXX ) and spoke to XXXX, I called up he told me that I had to pay the bill or it will ruin my credit history. Under severe duress, even though my insurance company told me not to pay the bill, I made a payment of {$350.00} on XXXX which included a {$16.00} payment processing fee. I work as a XXXX at a XXXX, and if my credit history is bad, they might not renew my contract. The collection agency promised to send me a receipt within 72 hours, but as of now, they have not sent the receipt even though I have requested that multiple times. The provider who was billing me and not my insurance company is called XXXX phone : XXXX. Because this involves companies in multiple States, I simply do not know who to turn to.

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (KS).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NH).
Issue: Trouble during payment process

Complaint: DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid my credit card debt that went to collections for JCPenny. They continue to 'sell my account ' to several debt collectors around the United States . I get a call in my cell phone every month threatening to serve me wth court papers at my place of work or as one guy said 'I better have my Supervisor available when he shows up to sign off on his papers ' ~like what is that supposed to mean? Am I not an adult? And I am the supervisor at my place of work, what would this gentleman have done if he 'd actually shown up? Every time I call these debt collectors back I have to explain that the debt is already paid in full and have to provide them with the letter that says so. It is a complete waste of my time, I 'm sure they scam quite a few people into actually paying making them think they owe them money again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in XXXX yrs and XXXX delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not breath properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dont know where this XXXX bill is coming from I have never had XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: i recieved a XXXX cancellation of debt but XXXX refuses to remove the lien and says i still owe them money also XXXX loan i had was refinanced in or about 2008 but they too say i still owe them money and refuse to release a lien i have tried in vein to get this resolved but they have been nasty and have tried to bully me into paying them I found out thru a web search that both XXXX and XXXX are the same company as XXXX bought XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE APPLIED NUMEROUS TIME FOR A LOAN MODIFICATION AND THIS LAST TIME XXXX INFORMED ME OF A NEW PROGRAM CALLED THE LATE TERM STREAMLINE AND I WAS ELIGIBLE FOR THAT PROGRAM. LATER, HE SAID I WAS N'T ELIGIBLE DUE TO THE DRIVE BY BPO ( BROKER PRICE OPINION ) COMING IN AT {$510000.00} WHICH WAS DONE BY A REALTOR. I HAD AN APPRAISAL DONE AND THE VALUE CAME IN AT {$370000.00}. I TRIED TO APPEAL THIS TO XXXX XXXX AND BAYVIEW LOAN SERVICING, BUT WAS TOLD BY BAYVIEW THEY WOULD NOT ACCEPT THE APPRAISAL AND WERE GOING TO FORECLOSE ON MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing is trying to collect on a XXXX bill that is not mine. They have reported the debt to XXXX and XXXX as a collection. I do not owe this debt and I have never owed anything. The debt is for XXXX.

Company response to consumer: Closed with explanation