milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with GLA Collection Company, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a notice that my credit score went down from a debt in XX/XX/2011 and have never received anything with regards to this debt. The debt was turned over to a collection agency and it is hurting my credit score I have worked so hard to build.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Capital one and their attorney sued me for non payment of a credit card on XXXX occasions, once in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a complaint with cfpb they withdrew suit and gave me a number to call to make payment arrangements as I had requested in XX/XX/XXXX, wanted 0 interest and 5 year payout, they refused to accept a payment plan. I have attempted to make contact on 3 occasions using a pin that was given by XXXX XXXX, and each time was told I have no open account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with JP RECOVERY SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They said that I owe them money from a hospital bill. I have not been to that hospital in many years and I have never recieved a bill from that hospital. I think it's a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: We have been with Bank of America for about 7 yrs. We have had some financial problems, but we have made it work. Recently we were up for a loan modification and we had no idea we were. I had sent in a payment for {$1500.00} to make up a payment and a little extra, and then called to let them know it was on the way. XXXX, they tell me that the money I just sent can not be used at a first trial payment, but they expect me to come up with another payment in a week? So for the first to payments I have to overnight them to make sure they get there before the month has ended. Both were delivered before the month ended, but where not posted until the following month. Then I ended up having surgery and the next payment got returned from my bank, by the time I knew this is was to late. a few weeks later, We received a letter and paperwork in the mail we signed everything and sent it back. It had said, you were APPROVED for the modification. So I was set up to do with that, then another week went by and I got a letter saying that we were DENIED the modification. So to my confusion I called them and the person on the phone was just as confused. Then finally they say, sorry you were denied, try again. So we go thru the whole process again. Every few days I call in and they say they need clarification on a part of my husband paycheck, so I answer the question. I end up answering the question XXXX more times! Then I keep calling to find out an answer, I can never get to my account specialist, so I have to talk to random people each time. Then I get a letter saying we are sorry you do not qualify for any help and you are in foreclosure. I call and try to talk to my account specialist who I still ca n't get a hold of. The person I do talk to says they can try to help, I ask why did n't my account specialist call and let me know what the decision was. She said they said out info to the costumers and they do n't always know. But every letter or any information I get from them is electronically signed by him. That does n't make sense for his to have " signed '' it and not know about it. So a few days later I finally get a hold of my account specialist and he says that he did n't know the letter went out and there is nothing they can do. He asks me, is there anything he can help me with? Well not really since you just told me you ca n't. I just want to know about all the run around and why they can do this. Now I have no access to my account and I can not make any payments ... I am stuck

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
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: CAPITAL ONE BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Payday loan debt) with GVA Holdings, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ****resubmitting complaint XXXX for second account on my credit report as this was not sent to debt collector-file is blank****. In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to 2 derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: After I submitted a complaint on XX/XX/2017 ( complaint # XXXX XXXX, Nationstar Mortgage said : Put my trustee sale " on hold ''. In fact, the trustee sale scheduled for XX/XX/2017. This is not on hold. It is on schedule. When your property is on auction, the public bombaded you by mail, by phone and by physical ( pound the door ). On XX/XX/2017, I sent a request to Nationstar to remove the sale from their calendar, I do not receive any response. This is a double cross ( Dual tracking ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Taking out the loan or lease

Complaint: i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Consumer Loan (Installment loan) with Worth Finance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I am to receive  XXXX  points for every dollar spent at  XXXX   XXXX  locations. I am only receiving  XXXX . I filed a compla int  X/XX/2017  reg arding this issue . Case #   XXXX . It was resolved i n  XX/XX/XXXX .    M y  XX/XX/XXXX statement is showing ag ain  XXXX  points per dollar for a total of  XXXX . It should be  XXXX .      XX/XX/XXXX  statement is accurate.
 XX/XX/XXXX    statement is inaccurate. I should receive  XXXX  points.     XX/XX/XXXX  is sh owing  XXXX  pts per dollar again.   As I stated in my previous case, this is false advertisement and fraud.

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 10-12-2015 about Payday loan () with MNE Services, Inc (FL).
Issue: Can't contact lender

Complaint: On XXXX/XXXX/15 I received an email from a XXXX XXXX. Case XXXX Amount Due XXXX Loan Company USA Fast Cash. They claim they are going to prosecute me within couple of days. The email stated the XXXX XXXX XXXX XXXX has stated XXXX serious allegations against me. The telephonenumber to call is XXXX. I have never borrowed money from USA Fast Cash.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where  XXXX   XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. 

My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. 
The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.

Company response to consumer: Closed with explanation