milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Debt collection (Credit card) with Velocity Portfolio Group (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Delinquent account

Complaint: Capital One reported my auto loan payments late several consecutive times. I have several credit cards with Capital One and all paid on time. Never late. I closed them because I noticed a pattern of discrimination. The higher my credit score went the more interest I paid. With my car loan, in XXXX, I was overpaying Capital One and caught them lying about what I owed. They repaired the issue. In the fall of XXXX they started overcharging me again, so I demanded they show proof. While I waited, they never disclosed their malfeasant actions toward me, they continued to mark me late. I researched all my credit reports and noticed they are all over the place, so I contacted all the XXXX and they informed me, they report only report what Capital One tells them, so why are the payments in different years and months??? Both Capital One and the Credit Bureaus, specifically XXXX stated it is ok and legal for them to be different because it happens all the time. I vehemently disagree for the following reason. 
Credit scores permeate our entire lives, and the Credit Bureaus must be accurate because credit scores impact our QUALITY OF LIFE and PROSPERITY. 
XXXXXXXX We need a good credit score to buy a home 2. A good score is needed to buy a car 3. Health Insurance premiums hinge on our credit score, not logical - it is criminal 4. Car Insurance uses our credit to offer us car insurance - it does not hinge on your driving record anymore, it depends on your credit score which is criminal. 
5. To rent an apartment - your credit score is used. 
6. Physicians are asking for credit report to obtain medical care - their reason - Dentist say, if you need major dental work, we must ensure your good for it. 
Credit Scores permeate our lives, so for Capital One, XXXX, XXXX and XXXX to have such a casual attitude is dangerous. Our Federal Government must insert FINES and new REGULATIONS for Companies and Credit Reporting Agencies to ensure they are taking consumers credit reporting seriously. 
Please ask Capital One to remove the XXXX and XXXX of XXXX late payments off my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK

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 10/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. 

While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a XXXX XXXX XXXX with XXXX with the offer that I can get XXXX XXXX XXXX points with a net spending of XXXX within the first three months. After I reach the spending threshold and the 8-week waiting period, the bonus was not credited. I used on-line chat to talk with XXXX representative, and got confirmed that I had met the requirement for the advertised bonus. After another two-month wait, the points has n't arrived and I have n't received any updates from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When navient was still XXXX XXXX I applied to release my co-signor. They told me that I had to make XXXX consecutive ontime paymentsand my previous XXXX payments did not count because I had a forberanace after that. 
I made all XXXX payments, in fact, at this point I have made close to XXXX consecutive on time payments and now Navient refuses to release my father as the co-signor. My loan with Navient is the first thing I pay each month and it is in automatic payments from my bank account. XXXX XXXX agreed to release my father as co-signor and Navient should have to hold up the verbal promise that was made by XXXX XXXX. Navient is telling me it is in their discretion to release co-signors, but that is not what XXXX XXXX told me. Not to mention that is breach of a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've been made aware that my private and personal information were compromised in the announced Equifax security breach. Reports suggest that Social Security numbers, addresses, and more were taken.

Clearly this is hugely unacceptable and I can only hope that the government is working to punish this group for their mistakes!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I was contacted by Santander, at my place of work, where I have never given out the number, I was told I was on a recorded line and verified my information. I informed the gentleman that this was my work number and not a good contact number and to remove it. He said he would as soon as he told me what it was about. I let him go on, but was interrupted by my work. I told him it was not a good time, and that he needed to remove the number. On XXXX XXXX I was called at the same number by Santander I informed her this was not a good contact number and that I had previously told them they can not call me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from 60 % -70 % up to 95 % by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I agreed to a  XXXX   XXXX  payment for m y credit score and was signed up for a subscription. There tactics are deceiving and extremely difficult to undo. I had to make three very long calls in order to reach them and they refused to refund my money for something I never wanted. They make it seem as though you are agreeing to a one time payment when in fact it is a subscription.

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 05-08-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This alleged debt first originated from  XXXX   XXXX   XXXX  that showed up on my credit in mid  XXXX . I disputed it with them because they said its from  XXXX  with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Shopping for a loan or lease

Complaint: I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. 
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Experian numerous times asking them to remove inaccurate information that is being listed on my credit report. I have contacted them asking for them to remove different variations of my name ( XXXX names I DO NOT go by ), as well as XXXX rental houses/condos that I once lived at for a short time, as I am concerned about possible identity theft in the future. The XXXX XXXX XXXX XXXX address is basically a vacation rental building and people are coming and going quite often. The XXXX XXXX XXXX address I am concerned as my previous landlord now occupies the house and she is n't very stable. I want nothing with my name associated with her and the address on XXXX. I 've asked numerous times, like I said, but most recently I sent certified mail on XXXX XXXX # XXXX XXXX XXXX XXXX XXXX and havent received any correspondence back saying they 'll remove the items I had concerns with. 
In addition to Experian not removing old addresses and incorrect names, I requested they delete a very old tradeline that should not be reporting anymore. The account listed on my credit report as : XXXX # XXXX I am requesting a deletion as it is obsolete to still be reporting. DOFD was XXXX 2009.

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 07/19/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Unsolicited issuance of credit card

Complaint: Please I need help. I do not know what more to do with this creditor. I have sent numerous letters to them, also to all XXXX credit firms asking for a VALID DATED SIGNED PROOF that this account belongs to me. Since last year I found this on my credit report. So since XXXX of 2015 I have been asking them for a copy of a signed contract by me and dated. all they do is send me only once a little letter stating " yes this account is yours '' that 's it. I go back to them again and again telling them enough is enough, send me the valid proof of my signature dated of when they opened this account. NOTHING! I am tired of spending countless hours - paper, money on this. My last line of defense are you guys, please help me. Ask them to send me a copy of the " SO CALLED CONTRACT SIGNED BY ME '' who I did not authorize this account. And if they say I did where is my signature opening this account???? NOW!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Problems caused by my funds being low

Complaint: Citibank charged an overdraft fee of {$35.00} on XX/XX/2015. The account was not overdrawn. See attachment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (ID).
Issue: Application, originator, mortgage broker

Complaint: Summary - we are distressed homeowners with a short sale in our history ( dated XX/XX/XXXX ). We are eligible for traditional FHA financing 3 years from this date per multiple sources. We contacted Quicken Loans to see when we would eventually be eligible for mortgage financing again. The representative we spoke with ( XXXX ) repeatedly assured us we were eligible for FHA financing at 4.25 % ( with 3.5 % down payment ) with a manual underwriting process immediately. She obtained our credit report in XX/XX/XXXX. XXXX up-sold our eligibility to us and our realtor for approximately one month. When we eventually found a home, and submitted a contract, XXXX asked for a {$400.00} good faith deposit, and an application. Our loan process was then handed off to manual underwriting in mid-XX/XX/XXXX. Immediately, the representative from Quicken Loans Manual Underwriting told us that we were not eligible for FHA financing due to late payments from the short sale in XXXX. This was information available to XXXX since she ran our credit report. Then the manual underwriter sold us on a ARM 5/1 product with an interest rate of 7.325 % with 20 % down payment that I could of obtained from a local broker. At that point, I began to wonder if this was a bait and switch operation, requiring {$400.00} payment before speaking with the underwriters, and upselling a higher rate interest rate product after a home contract had been established ; thereby taking advantage of potential home owners that are emotionally vested in a home. This was simply unsatisfactory. Since we have been declined, I have repeatedly attempted to retrieve our {$400.00} deposit, get an apology for being misled, and obtain compensation for our time, and our realtor 's time wasted over the past month. So far, I have been unsuccessful. Can you please assist? The Quicken loan # is Application # XXXX. 
Sincerely, -XXXX XXXX cell / text ok XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.

Company response to consumer: Closed with explanation