milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: XX/XX/XXXX, I received a notice in the mail from my Home Depot account stating that I needed to use my card or my account would be closed. Not wanting to have my account closed, I made a small purchase of roughly {$45.00}. XX/XX/XXXX, I had updated all my account information after having moved. This was confirmed by the fact that I received the above mentioned notice in the mail at my new address. No statements have EVER been received via mail or email since the time of this purchase. At no time has an attempt to collect payment been made. While I realize I am responsible for this payment, the entire purpose of a statement is to ensure the customer is aware of what payments are in fact due and when they are due. Only while checking my credit score was I made aware that not only was I delinquent and being charged late fees for 5 months, a cease and desist was placed on my account by Citibank. This prevented ANY communication with us, which makes absolutely no sense. How else can they attempt to collect payment if they are n't allowed to contact us? This CA N'T possibly be proper procedure. My credit score has been RADICALLY effected by this and I need to get this taken care as soon as possible. We have attempted to take care of this with Citibank, but I do n't have full confidence that the matter will be appropriately dealt with. We paid the fees immediately in an effort to quickly resolve the problem and hope to be refunded for late fees at a later time. Citibank not having updated our account information correctly is the entire reason this happened. Any help I can get would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Debt collection (I do not know) with Medical-Commercial Audit Inc (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Vehicle loan or lease (Loan) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Other fee

Complaint: I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I want to close all of my XXXX XXXX bank accounts and XXXX accounts please

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 04/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: Don`t know what happened with my first complaint, now I am starting over. Perhaps you will retrieve it. As, I have stated this complaint is about a loan with the XXXX lender XXXX XXXX XXXX XXXX XXXX. XXXX transferred it to XXXX and finally to Ocwen. The home was purchased in XX/XX/XXXX by me and my daughter. Many years later we asked Ocwen to sent loan documents to examine. To our surprise we found that the co-borrower signature had be compromised and placed on documents unauthorized. A complaint was made with the Commissioner of Banks and a fraud package was sent to us by Ocwen. All documents were filled out and forwarded back to the commission. Ocwen continue to " state that they never received the paperwork. The commission contacted Ocwen and spoked to their contact and finally they got the documents after continuing on going complainting. Recently, this company did not report to the credit bureau our earnings sent since XX/XX/XXXX. Reporting just started a month or so ago and the second loan still is not being reported. Since they became my servicer I have been loyal and pay every month on time without late entry`s and this is how we continue to be treated. Ocwen promise to send a explanation in writing explaining what happen in why they failed to report to the credit bureau, but still have not received XXXX response. As a result, emails have been sent to upper management and just have been ignored. I am tired now at this point paying money for a home that was attained under false pretenses. I have the right to no what happen. I believe all the parties should be held accountable for their wrong doing. I do hope you can assist me into making the right decision.Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: A fraudulent bank account was opened in my name at an address that has never been associated with me. I have previously filed a complaint with the CFPB and was informed by Fifth Third Bank that this had been resolved XX/XX/2014, as they confirmed it was a fraudulent account. Upon going through a recent refinance, I have found out that their {$200.00} collection account with XXXX still appears on my credit report. This has affected my credit score by showing an open collection account that is completely inaccurate. I have jumped through hoops just to prove their mistake and inaccuracy and should not have to go through this again. Please help, as this is now creating undeserved stress on me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (LA).
Issue: Trouble during payment process

Complaint: BANK OF OKLAHOMA doing business as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Tesxas, XXXX ) XXXX ( or XXXX XXXX, XXXX ).
XXXX XXXX XXXX has an internal automated payment system for insurance vendors and paid the max flood insurance amount instead of the current insurance amount. They admitted to the error and continue to not be able to resolve the matter. We continue to receive lay payment and foreclosure notices even though we continue to make full payments to them. First they argued they had not made a mistake and then finally admitted to the error. My concern is how many other individuals ' insurance is being overpaid by this vendor and then collected from consumers without their knowledge. By time the consumer learns of their error through annualized escrow analysis it is too late and the insurance company is unwilling to make an adjustment based on XXXX XXXX XXXX 's mistakes. It is concerning that XXXX XXXX XXXX has an automated system and does not keep backups of insurance bills sent to them and by law they are required to review the three flood insurance options and pay the current coverage unless otherwise noted. I believe XXXX XXXX XXXX through neglict of due digiligence and poor customer service is displaying little or no respect for the laws surrounding flood insurance as well as those that protect home owners -- not living up to their side of the mortgage contract. I have spent substantial time on the phone with these individuals and the most recent individual ( XXXX XXXX 's supervisor by the name XXXX ) I spoke with was very accustory seeming to point blame at myself when clearly everyone on her team researched the error and it was multiple times admitted to being their error. Now I believe this has moved beyond " error '' and is 100 % stepping on the rights I have as the home owners and my concern is for others that XXXX XXXX XXXX is servicing and the rather lackluster approach to lawful business services.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Installment loan) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Shopping for a loan or lease

Complaint: Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Delinquent account

Complaint: I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.

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