milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2016 about Debt collection (I do not know) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a paid credit alert service with XXXX XXXX. I have been alerted that a collection company, named Overton Russell Doeer Donovan, has been falsely reporting that I have an account opened with them. The first alert was an account " opened in XXXX 2016 '', which I had to fight a long time to remove from my credit report. And now they have reported that there is another account " opened in XXXX 2016. '' Their fraudulent actions have continued to affect my credit score negatively. My credit score has gone from mid XXXX to mid XXXX. I am hoping to refinance my house repair cost and possibly the current mortgage. But with their fraudulent reportings to the credit bureaus, I am not able to get the best rate. The consumer credit score and the consumer credit report are extremely important in my financial health, as for many other hard working individuals. I am extremely indignant that this company continues to " toy '' with my personal information and credit information. I do n't even know what they are trying to get out of this. But this needs to stop today. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Late fee

Complaint: I always paid my Citi Card online and opted out of paper statements. About three weeks ago my online payment option was NOT available to me. It said " service not available '' when I clicked Payment option. I got a late fee XX/XX/XXXX and was due for another late fee in XX/XX/XXXX. I called CITI CARD at XXXX. I asked them to get rid of my late fee. They told me they had NO idea why my payment option did n't work. They refused. I said cancel the card. They bumped me to a manager. She also did n't waive my fee or assist me. Said I would have to call tech support. I said cancel my card and pass me to tech support. She was rude and cancelled my account. After she cancelled I refreshed my browser and all of a SUDDEN MY PAYMENT OPTION WORKED. I paid off my balance and the payment went through. I was SCAMMED by CITI CARD. It was a XXXX. I had the account for 7 years. I was scammed by CITI.

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 06-06-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance.  A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Credit card) with Hayt Hayt & Landau, P.L. (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Private student loan) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. 
However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. 
On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. 
They have never responded to my messages and I have still not been able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: At the time I was married and under XXXX XXXX. The XXXX balances under XXXX XXXX should have been paid by XXXX XXXX health insurance in which I was under at the time. i do not understand why they have this on my credit report. i do not owe this money to them, they should have been paid in full with his health insurance. The hospital has this information in file since I had XXXX surgeries XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX at that facility!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 do believe that I have previously filed a complaint, about an issue with two hard inquires that I feel should be removed. Executive Employee XXXX supposedly did this investigation and called me telling me that my investigation had been denied. 

I was also told that I was denied credit due to the fact there was an initial fraud alert on my credit report. And that because my contact number was not listed on my credit report that I was denied. This information is totally untrue cause when I call XXXX, XXXX, and XXXX they all tell me that since XX/XX/2016 my contact number is listed on my credit report and that they actually require a phone number to be placed on your credit file while an initial fraud alert is in place, that was their policies. 

I dont know where Capital One came across that I wanted a credit card because these inquires are indeed frauduant inquires, as a result XXXX   has came back and even found a void within Capital Ones so called approved inquiry they came back saying while the address was confirmed my residence they researched further and found on the dark web part of it that the actual inquiry IP Address came out of State of Pennsylvania they would not disclose location due to security reasons. As a result Capital One no longer exists on my XXXX Credit Report. If Capital One was true and correct to their statement and initial investigation then why did XXXX   delete their inquires off my credit report for fraudulant inquires. 

However the fight continues because XXXX  and XXXX have not removed this and has required that i reach out and resolve this issue with Capital One. 

I ask the Capital One reopen this Investigation because the 2 Inquires on my credit report are fraudlaunt inquiries and if Capital One wont investigate then I will have no further choice but to file a complaint with the FTC stating the Capital One has broken the Fair Credit Report Laws because in general that is the truth. 

I feel the investigation was not conducted fairly, and I feel justified for my actions and I ask for a reinestigation and response to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have now gone past the 30-45 days and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible

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 04/26/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Closing on a mortgage

Complaint: Shellpoint Mortgage Servicing W e received a payoff for  XXXX .   This amount included interest charged for several months.   One of the owners died and the daughter was paying the mortgage for this home and her primary residence. She stopped paying when she ran out of money.   The house was listed on  XXXX ,  XXXX  .We re ceived a contract on  XXXX   XXXX ,   XXXX  .   We are scheduled to close. There is not enough money to cover the interest that have accrued.   I have requested several times to delete the interest. The buyer is anxious to close.   Is this something you can help us with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Comenity Bank : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :  XX/XX/XXXX,XX/XX/XXXX Aliance XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: My Capital One bill was due XXXX XXXX, 2015. I noticed it was due XXXX XXXX in the morning and when I logged on to pay I was already charged a {$19.00} late fee.. It had n't even been XXXX hours. They do this to me all the time and I do n't think it is fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian still has an AKA listed which I have disputed several times the name listed is XXXX XXXX XXXX which is NOT me nor has ever been.

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 12/15/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On approximately   XXXX   XXXX    2017  I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017,  it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX  payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

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 Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: Chase Bank is reporting a negative charge off account on my credit report. I have never owned this account and I am not sure why it is on my credit report. I tried disputing this debt with the credit bureaus and I have not seen results. Please look into this account. 
I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
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: XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation