milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Professional Collection Company (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I signed into my XXXX account on the due date to pay my card, which my account shows as it says I logged in on XXXX XXXX, yet my payment was marked as late and I was charged a late fee and finance charge. I have logged in again today XXXX XXXX XXXX to make my payment and now they only allow me to mark my payment as paid on XXXX, even though I am technically logged in to pay the account on XXXX. This is the only credit card company I have ever had this issue with. It seems as though they purposely mark your payment as late to charge late fee and finance charges. I have never been late on any payments on ANY of my credit cards, mortgage payments, student loan payments, etc, and have a perfect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and my complaint is with chase mortgage company. Two years ago we received a fha loan mod from this co. According to our loan docs our loan is considered in good standing unless it falls 90 days behind. We are currently 2 months behind because of financial difficulties. We tried to make a payment to keep us from falling 90 days behind and they are refusing the payment. They want our house. We are planning on selling the home within the next 6 months as we have a lot of equity. Please help they are trying to take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: 1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: Tried to come up with a solution but they wo n't help they are charging over 400 % interest and the loan is getting no where and I ca n't afford the loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX  XXXX XXXX. The program : Consolidates three modification programs into a single solution.
Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House 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 05-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Trouble during payment process

Complaint: This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 
2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. 

According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? 

About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release 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 07/31/2017 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: Their investigation did not fix an error on your report

Complaint: In correspondence dated XXXX XXXX, 2017. I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 10/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. 
My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 
3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. 
So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.

Company response to consumer: Closed with explanation