milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: PER reg cc regulations banks are required to give adequate notice on availability of funds. Capital One bank does give such information. Per reg cc it clearly states what are next day available items for deposit. Per reg cc a bank is also supposed to inform you of a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My mom had two accounts at Capital One 360. One, account number XXXX with {$78000.00} was a savings account. The second, account number XXXX in the amount of {$85000.00} was a money market account. I was joint account holder on both accounts. Mom passed away XX/XX/XXXX. I notified Capital One and provided a copy of her death certificate as requested. When I checked the accounts on XX/XX/XXXX, I noticed that Mom was no longer on the accounts. I was listed as the only owner on the accounts. When I checked the accounts on XX/XX/XXXX the money market account was GONE. It does n't show up when I login. Nothing - not a note that there was a problem or anything. I contacted Capital One 360 customer service, expecting that it was merely a computer glitch on their end. What I was told is that they have restricted the account because of questionable activity on Mom 's profile and that they restricted the account because her name is still on it. First, the activity was most likely me attempting to log in with her access to verify that it was disabled and her account shut down. Second - How did Mom 's name get BACK on the account that I was sole owner of on XX/XX/XXXX? Third - Why was I, the account owner, not notified if there was a problem with the account? On XX/XX/XXXX I had complete and solitary access to {$85000.00}. Today, it 's gone from my account. I ca n't see it, restricted or otherwise. Capital One says that they show me as JOINT owner on the account but effectively, they have stolen {$85000.00} from me without notification. 

I have attached a copy of the XX/XX/XXXX statement showing account numbers and myself listed as Joint Owner on both accounts. I have also attached the letter from Capital One showing that account ownership changed from Joint with Primary Owner to Individual Primary Owner, dated XX/XX/XXXX. ( I saw this change on the XXXX online but it was a holiday - thus the official letter dated the XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.

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 monetary relief
Consumer complaint received 07/29/2017 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: While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.

Company response to consumer: Closed
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received. With your assistance I am re-sending then again. REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all XXXX credit reporting agencies all by certified mail ( copies of receipts enclosed ) requesting you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft. To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft. Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the Consumer Financial protection Agency for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally. If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of one item have been delete and that the creditor or collectors have also being advice and have them what is  necessary on their part to follow for not to cause any more damages to my credit profile. I take my credit very seriously and any lack of professionalism and assistance will be. I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I anticipate your response. Sincerely, 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 07/20/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive multiple calls per day to my office work phone with voice messages and they are now calling from local XXXX numbers leaving an XXXX to call back. I answered the phone and asked for them to stop calling me at work and to send everything by mail. When I moved, I submitted a change of address with the United States Postal Service and I have yet to receive anything in writing but still receive at least 5 or more calls a week on my office phone and sometimes even on the weekend or after work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 disputed inaccurate information on my credit report with Experian. Experian responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at Experian regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). Experian never investigated so it 's clear they are willfully reporting false information on my report. Experian claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.

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 04/17/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.

Company response to consumer: Closed
Consumer complaint received 03/15/2016 about Credit card () with JPMORGAN CHASE & CO. (GU).
Issue: Application processing delay

Complaint: XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My wife & I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.

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 05/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I requested an appraisal to drop PMI off my loan. The appraiser came out and looked at the home. He had inaccurate square footage and used comps that were outside the neighborhood when there were plenty in the neighborhood. He valued the home at {$1000.00} less than what was needed to drop the PMI. When I discussed the square footage dispute with Wells Fargo, they said I had to dispute it and sent out a form via snail mail. I think they just do this to continue to collect PMI. The square footage is a matter of public record. So now, I will be paying another month of PMI just to prove the appraiser was wrong. What a XXXX! This seems like their way to make appraisal money and PMI money! Also, Texas is a non-disclosure state. So they are asking me the sales prices of homes, but that information is not publically available. The closest home to ours us XXXX XXXX XXXX XXXX ( same street and also a lake lot ). It is the same floor plan, but has XXXX less garage space. In my opinion, we should have the same cost per square foot, but then add the cost of another garage space to my home.

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 11/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Paypal went ahead and put limitations on my account for legitimate transactions of goods that I have conducted with eBay and other companies all legitimate. They requested a bunch of documents to verify who I was and I complied within two hours. They then sent me a letter asking for invoices or receipts for merchandise sold on eBay and I did. I called because I did need my funds and they said the information was sufficient but now I had another account and I explained I did n't and there was fraudulent activity going on, even faxing them documentation. They just seem intent on keeping the money and continue asking for more and more information for merchandise that has already been paid for and I need my funds for.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Out of the blue, I started receiving many many calls from a company I did not ever heard of. The person on the phone spoke broken English so thinking t his was a scam, I kept hanging up. Months later, I received a harassing call telling me my student loan was going into default if I didn't start paying. I asked where the person was calling from and was told The XXXX. I asked how and why he had my information since I am a US citizen who attended school in the US. I have no idea what he said since I could not understand him. I gave him my banking and routing information so that payments could be deducted monthly. I looked at my bank statement and saw nothing was deducted. I called Navient, I was told this was the name and asked why payments were not being deducted. The csr stated the information was applied incorrectly so he took down the banking information again. Again, nothing happened and now I have been reported to the credit bureaus for late payments. I called Navient very upset but nothing could be done I was told. I immediately began looking for another lender and found XXXX XXXX. I am beyond upset. I was paying a company out of my own country that had my private information without my consent who could not communicate clearly in English who reported me to the credit bureaus when I furnished the information. I wirk for a non-profit organization and this was not considered when assessing the high payments they expected me to pay.

Company response to consumer: Closed with explanation