milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Capital One approved for a small line of credit. Requested proof of identify. I sent a copy of my license and lease after verifying that I was able to verbally verify my ss number. 4 days later, I was told after I called back that they needed more information. They stated several times that this was standard for new accounts. I get a letter at my previous address, where my mom resides, that says it was due to information not matching at the credit bureau. I then, get my ssn card directly from the administration office and send it over with a copy of my water bill because my lease wasnt enough proof of identity. At this point, they said the id was too blurry and said no it was too dark. Later, we determine nothing wrong with the ssn card sent, but they needed to see a full bill not just the part containing my info because the water company was closed and could not verify the address. I send a full bill and qas disconnected from the phone. At this point, I call back to find that the full bill is not good enough. The delay and repeated phone calls while collecting my information is high unethical. I am also pretty sure they were sending it to some foreign country where they outsourced a call center. No one can verify anything and a manager could not be reached. I spent hours on the phone even though it was an online application and I verified all my info and more. There are some weird practices going on and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: my card wasnt recieved my cards mail wallet phone was stolen while me and my employees went to  XXXX  i have airline tickets to prove none of us where in the country i never requested a line increase i never authorized or purchased anything and nor has my employees we where in  XXXX  and have proof now t here rebilling me the charges which is against the law they have violated my rights under the FCBA  the card that was used was under my employee   XXXX    XXXX  and it was aroun d 14000 in charges that arent mind

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this 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 05-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Unable to dispute on Transunion without paying a fee for additional services. I was able to dispute on XXXX and XXXX with no issues. I have a charge off for credit cards and I did not apply for those accounts. They belong to an ex and are part of her bankruptcy claim ... Thank you in advance for you assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please remove the following account from my credit report the following accounts was disputed before and deleted from my Experian credit report.Upon checking my credit report again I received an alert that a collection was added to my credit. 
XXXX please see attachment In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

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 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Experian Report # XXXX XX/XX/2018 Experian on page 19 of 20 under Former or Current Employers have information missing to my Employers I have sent XXXX and contact I formation as well as Check stubs to Experian and it has been month after month and no corrections made correctly on old reports it had my Employers as I'm stating them once again. This makes no sense on credit reports adding false information removing correct this been going on now for 7 months with personal information on Experian Experian does not put information on Employers correct and delete current ones as past ones as I have over 11 reports all with information right and the 2 months later current Employers been deleted by Experian or the wrong occupation this needs to stop and corrected as Experian does not update current information correctly or spell the names of Employers correctly as I have had on previous reports with wrong names.

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 11-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: Mr. Cooper is the new servicer for my mortgage. We pay PMI until the loan is at 78 % and than PMI should have been removed. We reached that threshold two months ago. Servicer will not remove PMI because they are stating it is not set to be removed until middle of 2018. We have always paid extra on our monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with North American Credit Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Starting on XX/XX/17 and everyday since, I have been receiving calls from this number and the caller ID says it is XXXX XXXX. Normally I just hang up the phone and file a complaint as I am on the Do Not Call registry. Today I answered it and it says we have some important information for XXXX XXXX is this you press 1, so I did and now I find it was North American Credit Service calling about a debt collection and not a Telemarketing phone call I thought it was. To me this is very misleading way to get people to answer phone calls

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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XXXX WHEN IT WAS REPORTING XXXX OF XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 08-11-2015 about Debt collection (I do not know) with National Arbitration Forum (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the FCRA

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 11/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to settle the estate but the mortgage company will only communicate with the attorney. I have not received a statement in two years. I have called and written many letters.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card account.

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 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company response to consumer: Closed with non-monetary relief