milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Alliance Data Card Services (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I live in XXXX, TX and was impacted by Hurricane Harvey in XXXX XXXX XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( Ocwen Loan Servicing, LLC ) due to my wife being XXXX due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -Ocwen would continue to accept payments if i was financially able to do so -Ocwen would not assess late charges to my account during this period -During the term of the agreement Ocwen would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement ocwen should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with Ocwen, on XX/XX/XXXX Ocwen reported to XXXX  the my account was " Not more than 2 payments past due ''.

I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. Ocwen once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX Ocwen once again breached the agreement by reporting to XXXX that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date Ocwen has made no effort to fix the problem. 
Ocwen also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( 1 ) XXXX XXXX XXXX XXXX, XXXX TX.XXXX ( 2 ) XXXX XXXX XXXX XXXX , AK XXXX. 
( 3 ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened Bank of America account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with Bank of America.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and bank of america with ref # XXXX. I contacted XXXX and Bank of America disputing their report which is hurting me seriously, also filed a police report with case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had identity theft on my credit report. I sent all of my information to all three credit bureaus with a XXXX attached to my police report. I do know that the bureaus have up to 5 business days to delete the invalid information. TransUnion is refusing to delete the information that does n't belong to me. I am requesting that TransUnion immediately deletes the fraudulent information on my credit report, they now have had my police report for 3 weeks now. XXXX and XXXX deleted these fraudulent accounts on my credit report with no problem. There are 5 accounts in collections that do not being to me. They need to be removed immediately. I have also made a complaint in here in XX/XX/XXXX about the same companies and the collection agency never sent me anything to show any proof that I am the owner of the account

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 07-06-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) 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 09/17/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I have an account with Huntington National Bank, and I am also set up with text alerts. I manage my account based on the current balance and what is outstanding. On XXXX I received a text alert stating my account had over {$300.00} positive in my account on XXXX. and every time I swiped my card XXXX average swipe was no more than {$10.00} per transaction ), leaving me with an end of day balance of around {$310.00} at day end processing. I had a check go through the follow evening on XXXX for {$75.00}, and it showed my beginning day balance of $ XXXX. I called the branch and no one was able to speak to me at the time I called, so I left a message. I then called the Branch Manager later that evening and spoke to him and he reviewed over the phone, and said he would talk to his district manager and call me back. By the time EVERYTHING went through and posted ) ( minimal debit card transactions ) My account was XXXX. Not one PERSON could explain why. I contacted telephone banking on XXXX, to no avail, no answer.. called the branch again and they advised the Branch Manager no longer worked there. I then left a message for the lead teller. She never returned my call. Then on XXXX, I called again and finally spoke with the Asst Branch Manager, and explained everything ( by now I had racked in over {$300.00} in service fees XXXX. He then advised that there was a debit card transaction that had gone through my account of {$300.00} and it was approved and paid. It was a legitimate charge however, I was NEVER told this previously and my text alerts never reflected this transaction coming through ( as it should, since I get an alert with EVERY transaction ). I told this to the ABM, and he said that I should not rely on my alerts as truth. I then told him then why even have that as an option, if it is n't correct. He could n't answer that. I told him I wanted to speak with his Regional Manager. He left her a message. She called me back yesterday, and although she is " sympathetic, '' she will not refund any fees. She said that I had been allotted enough fee waivers, and even though it was their fault with not properly posting the real debit on their end, there would be no fee waiver. This is completely disconcerting. This is unfair and very deceiving practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The XXXX school I went to chose Navient as the holder of my loans, both Federal and Private. The problem I had is that the people who set up the loans for me at XXXX XXXX (in the beginning) didn't know what they were doing and did not get me the best payment plans. I didn't know that until years later when an employee (during a much later call) told me that the loans I was given was not a good loan for me.I could have had lower payments, or a better, more efficient plan than what I was currently on. That made me really angry. Because the payments were so high, I had to use deferments for a few years because I didn't make enough money in a low paying restaurant/catering job to pay my rent and other expenses AND $400+ in student loans. Once the deferments ended I had to figure out ways to pay, switching jobs until I finally made enough money to pay the loans. As it is, after all these years of paying I still owe $XXXX  more than the initial loan of $XXXX. Now I can no longer work at my job and I'm way past retirement age, deciding whether to give my social security and IRA retirement money to Navient, when I already don't have nearly enough money to last me the rest of my life, however long that may be. I would never encourage anyone to take on this kind of debt. The recruiter at the culinary school lied to me about what I would make once I graduated. It was a big mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with ConServe (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i get repeated calls from Conserve. XXXX They ask for " XXXX XXXX '' ( sp ). 
I tell them this is my phone number and I do n't know this person so please stop calling me. 
I later called the number back and stated the same to a manager " XXXX '' ( sp ). 
They asked what my name was but I refused to give it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other service issues

Complaint: PayPal enrolled me in PayPal Credit without me knowing that they had enrolled me and when I made a purchase it went on the PayPal Credit account instead of my regular PayPal account which is hooked up with my XXXX I later tried to purchase antivirus for my computer and it would not go thru then I find out I owed PayPal Credit {$75.00} I have a XXXX of problems with this. 
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.

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 JPMORGAN CHASE & CO. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Collection Bureau of America Ltd. (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: There is not an option to choose for what it is that I am filing this complaint about. I disputed this account twice and and when I called to remove the dispute verbiage on the account telling them I no longer dispueted the information, XXXX and XXXX removed the comments within 3 days, XXXX however, stated that because the company had placed the verbiage on this account that it could take up to 30 days to have this done and they recommended that I call the collection agency and request for them to remove the verbiage from my report. When I called them on XXXX at XXXX Central Standard time, I spoke with a lady named XXXX. I asked her what the procedure was to remove these comments, and she stated that unless I paid the debt, that the comments would remain on my credit until it was paid in full. i know that this is illegal.

Company response to consumer: Closed
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (FL).
Issue: Account opening, closing, or management

Complaint: XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE 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 BARCLAYSBK 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 : BARCLAYSBK 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, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.

Company response to consumer: Closed with explanation