milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. 
This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. 
This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. 
To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. 
And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Conn's, Inc. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in XXXX XXXX from Capital One to another credit card in order to consolidate. On XXXX XXXX, XXXX, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a {$5100.00} balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until XXXX XXXX, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? 
Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all XXXX credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE WRITTEN TO BOTH EXPERIAN AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY Experian XXXX XXXX XXXX XXXX DateXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from experian

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX The Following was not authorized on my XXXX or Experian account. XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 01/19/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Im having difficulty making payments. They wont work with me. They call 12-15 times a day. Sometimes they just hang up/robocall and sometimes they are there demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Credit reporting () with HireRight Solutions, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: HireRight Inc. provided inaccurate information to a prospective employer jeopardizing my employment opportunity. I was asked to provide proof of self employment which I did. In spite of providing county and federal documents they were not reviewed by anyone and an inaccurate report was provided with incorrect dates and information I contacted HireRight immediately but was told it would take 30 days to resolve and they would not allow me to speak to any managers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX XXXX, 2016. i have sent dispute after dispute and documentation requesting that they delete these accounts from my credit report as I have never done business nor know of these accounts. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit rile. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.

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 10-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: My Chase Sapphire Reserve account includes rental car insurance. I had damage to a rental car in XX/XX/XXXX, was charged {$1600.00} by XXXX and submitted the claim to them, claim # XXXX on XX/XX/XXXX. I have sent all supporting documentation that they have asked for. Instead of responding within five business days as promised, they have ignored me for over a week. They have not paid the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with Dynamic Recovery Solutions, LLC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been in prison for to years i just got out XXXX XXXX XXXX i just recieved a letter from Dynamac Recovery Solutions saying that i have a current balance of {$990.00} they say i may resolve my account for {$690.00} if the payment is received by XXXX XXXX XXXX i have been locked up for 2 years and have no idea what this collection is for or why they are sending this to me late if you can please help me dispute this and just get it off my credit please i jist dont want to be bothered by this especially not knowing what it is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MIDLAND FUND ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 MIDLAND FUND 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 : MIDLAND FUND 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Trouble during payment process

Complaint: This is a   XXXX   complaint regarding  Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX .  XXXX  complaint was regarding the doubling of taxes/insurance in escrow. In that complaint I determined they owed me {$1400.00}. They sent a check to me for {$1200.00} which was {$240.00} short of what they owed back. This was for over payment on mortgage due to the duplication of taxes/insurance they were escrowing for the year. I then received a letter from them dated  XXXX   XXXX  that stated the monthly payment stated on the  XXXX  statement  XXXX  {$1400.00}  XXXX  is the correct monthly payment amount. They then closed the complaint without confirming with me this was resolved. I place phone calls back to them but never was able to speak to the correct person or someone that could address the complaint that has not been resolved. At this point, I was going to live with the fact they shorted me the {$240.00} in what they owed me just to be done with dealing with their ineptness and my busy work schedule prohibits the time to spend an hours on the phone trying to get the right person who could fix. This took  XXXX   XXXX  months to what I thought resolved the issue even though it was not completely resolved. I then get a new statement for  XXXX  monthly payment that says amount due is {$2900.00} and regular monthly payment that again states it is {$1400.00}. This is right back where we started with the first complaint!!! I paid the normal {$1100.00} for  XXXX  that I have been paying all along. My  XXXX  statement comes and it says my regular monthly is {$1200.00} and that I am passed due and owe a total of {$1500.00}! I called and spoke on the phone to a representative on  XXXX   XXXX  around  XXXX  pm after calls the past  XXXX  days during my work hours. Again after many minutes of waiting and voice prompts I speak to a representative who tells me that there needs to be some " buffer '' hold to pay for taxes/insurance of around {$500.00}. I told them you guys just sent me a check back ( {$1200.00}  XXXX  so why did you do this if you needed to " hold '' money? They representative just repeated her claim of the amount owed and I told her I would be sending the regular monthly of {$1100.00} and that I will be filing a   XXXX   complaint regarding their inept loan processing/payment procedures and the harassing phone calls. It is nearly impossible to figure out what is owed each month because of the changing statements. I will make the {$1100.00} a month payments until this issue is resolved to my satisfaction.

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 12-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had purchased a XXXX XXXX protection plan effective date XXXX/XXXX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX.wich would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans

Company response to consumer: Closed with explanation