milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On or about XXXX XXXX, 2017, I transferred balances from Capital One credit card to another bank due to their unfair, exorbitant APR. The bank in turn issued a check to pay off balance to Capital One. I called Capital One after I went online to view my account and verify that they had received the payment and it had been credited to my account, bringing the account to a " XXXX '' balance. I asked them to " CLOSE '' the account. The account is showing " Closed '' online when I go in to check my account and verify that it 's closed. However, Capital One has " refused '' to notify the 3 credit reporting agencies. The account is still showing " Open '' with a balance over {$6000.00}, at all 3 credit reporting agencies, XXXX, XXXX, and XXXX. I have spoken to Capital One and they have given me the " runaround '' treatment, putting me on hold over and over, and coming back with some nonsense about why this problem might be happening rather than admitting that they never informed these 3 agencies that my account is closed as required by law. This is typical Capital One tactic, angered that they can no longer " suck the life out of me '' with ridiculously high interest. Very unsavory, unethical, underhanded company. Also spoken to XXXX, faxed closure verification retrieved online. Submitted " disputes '' at all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX to inquire as to why my credit card reporting status showed under adverse accounts on my TransUnion report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. XXXX would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency TransUnion. 
I filed a dispute with TransUnion because XXXX stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with TransUnion now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If XXXX did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach potentially exposed my credit information according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Auto) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a {$1000.00} for subrogation of an insurance claim from an auto incident that occurred in XX/XX/XXXX in XXXX XXXX. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and XXXX XXXX covered the damage to my car ). neither the police nor any court made a determination of liability but Afni insisted that XXXX ( the other persons insurance company ) determined I was liable. They do not respond to my written explanations and after researching them, I have learned that they have often destroyed people 's credit ratings based on circumstances such as these. On the phone, they repeatedly state I am liable but I am unclear on how legally a company is able to unilaterally ascertain liability and hire a credit agency to harass a person.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Closing/Cancelling account

Complaint: I OPENDED A XXXX XXXX FOR MY BUISNESS AROUND 2005. 
FRAUD WAS COMMITTED ON MY CARD A NUMBER OF TIMES. 
THE LAST FRAUDULANT CHARGE WAS MY BREAKING POINT SO I CLOSED MY ACCOUNT WITH THE UNDERSTANDING THAT THE CHARGES WERE TAKEN OFF. NOW I AM APPLYING FOR A LOAN WITH THE BANK AND XXXX CREDIT CARD HAD PUT THIS ON MY CREDIT SCORE REDUCING MY CREDIT SUBSTANSIALY. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have NEVER had the name XXXX XXXX XXXX, PLEASE help me remove this nameThank YouXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Not true amount of 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 05-01-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be done.

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 03/18/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute

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 06-05-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: I made a payment after I spoke with a customer service representative who informed that my account was active and would not be closed as long as I made the payment. After I made the payment my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER  XXXX  HAS put this account as a collection account for emergency  medical service  s r eceived at  XXXX   XXXX   XXXX , the original creditor.At the time of service I was covered by  XXXX  which I informed the  provider.The  government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on   XXXX     XXXX   and   XXXX   c redit bureaus.The   service  occurred in early  2015,   possibly  XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has filed a blatantly false response to this Bureau, in fact when we received a notice of news paper filing of foreclosure from the law firm of XXXX and XXXX in a single page letter, we filed a cease and desist letter in response demanding any and all paperwork, letters, previous notices, or any other related material in which they claim to have to establish standing, all they sent was a copy of deed of trust and various assignments of loan servicers. none of the paperwork received was any letters that Ocwen now claims they sent to us and has reported to this Bureau. also we filed a complaint in XXXX XXXX and within Ocwens responsive pleadings and exhibits nowhere was any letters filed, as they now claim, this is a material fact. the only papers filed as exhibits where deeds of trust and assignments of loan servicers, which is the exact same paperwork as XXXX, a material fact. an now Ocwen has filed with this Bureau chronological letters in which they claim they sent to us. this claim by Ocwen is a blatant falsehood and shocks the conscience and shows the length in which Ocwen will go to deceive and commit fraud. Ocwen never sent these letters because they did not exist, Ocwen and their attorneys fabricated these letters that all-a-sudden they provided this Bureau with these fabricated letters of fraud and deception and should be held in contempt of the Decree in which they entered. these are the exact types of deceit and fraud by Ocwen as Director XXXX XXXX described

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual. <P/>Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. <P/>Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.

Company response to consumer: Closed with explanation