milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The car reposession was removed off my credit and now placed back.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient purchased my student loans from XXXX on XX/XX/2016 ( according to them via phone today at XXXX ). I received correspondence from Navient in XXXX regarding this change & called them to remit my payment. Not only did I make my XXXX payment on time ( prior to XX/XX/XXXX ) but I also paid XXXX during this same initial phone call. Today, I receive a letter from Navient advising that my account is past due since I did n't make my XXXX payment. I immediately call in and the representative tells me I never paid XXXX. I candidly went through the timeline with her ( XXXX Agent # XXXX ) and had her confirm that it is impossible for Navient to imply they notified me in XXXX to send my XX/XX/XXXX payment to them since they actually acquired my loan on XX/XX/XXXX. She verified that I had in fact called in XXXX and made 2 payments immediately. I explained that I did this proactively since the initial rep explained that I would need to set up an online account with Navient for future payments. Since I had never used their system, I went ahead and made the XXXX payment to avoid any issues. I am most upset at the deceptive practice of reporting my account late to the credit bureaus when in fact I contacted Navient and remitted payment not only for XXXX but also XXXX. I think it is also important to note that for the entire time XXXX held my account, I was only late once when I was in between jobs. Other than that, I always paid in advance of my due date. I do n't know the laws regarding account acquisition but I would have to imagine there is some sort of grace period put in place to allow for the transition of accounts. This absolutely ridiculous to me that my account is being reflected as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Found a charge on my account that I did not purchase ... ..from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report

Complaint: My husband and i are in the process of refinancing our home after 11 years. We just found out there are Big Issues for my score and it 's directly attributed to mis information reported by Wells Fargo.
First one : reported for  XX/XX/XXXX  : Spoke with   XXXX   XXXX  , Employee #  XXXX  who explained to me that our  XXXX  Payment did not go through, did not bounce, it simply did not get processed. She told me No late fee, No late posting would occur because it was Bank Error. Well, it did get reported as a 30 day late.
Second one : On my credit report, it showed that our  XX/XX/XXXX  payment was 30 days late, when I pulled the file from  XXXX , I found my husbands notes of speaking with Wells Fargo and they told him the payment did not get processed because of a wrong account number? But Wells Fargo does not ask us to give the account number because they store it. So again it was bank error and they supposedly corrected it. But it shows on our credit report as another late payment.
<P/>
We have our Conformation # 's on the date payment was accepted. This is impacting my credit score horribly. Plus, our other cards where we have never had an issue have dropped our available credit due to this and now it looks like we ran up our balances, when in fact we have been paying them down. This is horrible timing as we are trying to refinance our home and it looks terrible on our credit.
This morning I spoke with   XXXX   XXXX     XXXX  ext  XXXX . he is senior level management and is supposed to help me with this. When I called him back to say it had also happened in  XXXX , he was less friendly and more rushed me off the phone. but when we started he said to complain to the Credit Companies and sometimes it 's faster. Well, let 's hope so.
<P/>
Many thanks for your help and let me know what else you need!

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 01-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I am in forbearance on my mortgage. I have made the agreed upon payments before the due date and Ocwen has accepted the payments yet they still send default notices which when I call they tell me to ignore the letters. If I ignore the defaults and they foreclose I hace no defense in court. Ocwen has a history of fraud and other sleazy business tactics. They have paid XXXX dollars in settlements. This is more of their scam. I am paying as agreed and they keep threatening me. Their escalation managers are condescending and have no desire to do anything other than read from a script.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Their website wo n't allow me to access repayment options it takes me to the page where I can pay the current due instead of showing me income driven repayment plans!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Credit dispute with XXXX XXXX was submitted to Experian on XX/XX/XXXX. Experian 's web site for credit dispute status reflects my complaint with an estimated completion date of XX/XX/XXXX. To this very day, the status still indicates pending and I was never notified of the results. I called Experian today and spoke with XXXX ( ID # : XXXX ). XXXX informed me the investigation was completed on XX/XX/XXXX and could n't explain why Experian 's web site still indicates the investigation results are pending and why Experian failed to notify me of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 02-05-2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Other transaction issues

Complaint: I accidentally transferred money to the wrong person through Wells Fargo Surepay. I entered the wrong phone number. I made a claim with Wells Fargo and their policy is 7-10 business days to investigate the claims. They contacted the other financial institution and there were n't enough funds in the account to return the funds. They communicated to me that there was nothing else they could do. I have three concerns about this process. First, there should be a way to match up the phone number and name of the recipient for money transfers. They currently only match up the phone number. Second, Wells Fargo took too long to investigate the claim. The individual withdrew the unfds by the time they looked into it. Lastly, Wells Fargo should continue to request the funds until there is enough to return the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because I have been ignored by the Transunion. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: RE : CitiBank Best Buy credit card acct # XXXX I am formally claiming fraud on the above mentioned Visa credit card. CitiBank would be reporting an inaccurate balance and status to the following Credit Bureaus ; XXXX, XXXX and XXXX. As a result, I could be in immediate danger of harm and serious financial damages. 

ISSUES : *I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting CitiBank take the appropriate actions and make sure this account is NOT reported inaccurately. 
Specifically the balance of this account is far less than what is currently being reported 1. I am claiming the correct balance is less than {$2000.00} at approx. {$1900.00}. 
2. I am claiming any and all charges or transaction in XX/XX/XXXX and XX/XX/XXXX are unauthorized. 
3. I am requesting a copy of all transactions for XX/XX/XXXX through XX/XX/XXXX, so I can view them and provide more information. 
4. A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
5. If a card was mailed to me in XXXX, when was it mailed? 
6. If a card was mailed to me in XX/XX/XXXXdid it require activation? 
7. If a card was mailed to me in XX/XX/XXXXand required activation, how was the card activated? 8. If online by what IP address? if by phone, what was the phone number used? 
9. I was out of the state of Michigan from XX/XX/XXXX through XX/XX/XXXX I am confident the investigation will confirm my claim. 

To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against CitiBank in the event a inaccurate information is reported to the credit bureaus and I suffer damages as a result. 
I am hoping CitiBank will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will only accept communications via email, USPS , XXXX, XXXX or through any secure platform CitiBank would like. 

* All Attachments are also being Certified mailed to Citibank to provide Citibank with the original documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (LA).
Issue: Trouble during payment process

Complaint: I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have a complaint against Nationstar Mortgage. There was no willingness to work things out for us, in order to help us! We have tried so many times to modify with them, so we could keep our home, which we love, and have taken such good care of for over 18 years! They instead raised the price of our mortgage, instead of reducing it! They Never had intentions to help us homeowners! We know other banks who have helped other homeowners to modify and keep their homes, Nationstar is not one of those, they are not interested in helping others!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with Capital Accounts, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation