milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Debt collection (Medical debt) with Clark County Collection Service (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have called them over 10 times to find out what the debt is about. No return calls. Went on the website and sent 3 emails. No return email. I ended up going to see them and asked if they could provide any documentation so I could research the debt. All they could tell me is that it was a medical debt in excess of {$200.00}. They also said it was in 2015. I called XXXX ( my previous insurance company ) and they  could n't give me any medial bill for {$200.00}. 

I went back in the office again and asked for more information again as I believe the debt was paid in full. They refused to give me anything other than an extension to try and dig up my bank statements. I tried to explain I do n't even know what I 'm looking for or who it was paid to. 

Now they are suing me for this. I believe this is total extortion and I well be in court for it. They need to legally provide me documentarian so I can research and defend my case. This company makes it hard so that they can take you to court and double or triple the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Attempting to reduce my monthly payment with BOA for XXXX. Have been denied for too much income, insufficient income, or product is not eligible. Will not allow my son to sign with me because he does not live with me. They approved be for a short sale or foreclosure. Not an avenue that I want to explore. I have never been late on my payment. 
They are now going me to see if I will be able to make the payment or should they start foreclosure. BOA rep indicated she will be going me monthly prior to my payment to check if I will be able to make my payment, harassment comes to mind. 
Lastly, they will not give supervisor 's number that will accept cell phone calls and will not provide office addresses. Both of these items are required by the legal community to join a class action suit or to begin an individual suit. 
Looking to you for guidance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

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 08/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Closing/Cancelling account

Complaint: I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know who portfolio record is, I ca n't find anything about it regarding debt or where it came from. This is really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!

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 06-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: ditech Mortgage- they changed my payment amount and the payment I did make was short about {$35.00} due to a change in escrow. They have not applied the amount that I paid to the account. I over pay every month and there was {$66.00} in unapplied fund that have just disappeared. I really do not know why they are not posting payments when they receive them and if they are hold funds that should be applied to the loan should we expect that they are paying us interest on that money? ditech has been the worst Mortgage company I have ever dealt with. XXXX consumers are complaining about the same information. Please look into this company so that they are treating consumers fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (MO).
Issue: Managing the loan or lease

Complaint: I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Trouble during payment process

Complaint: XXXX XXXX sold my loan to XXXX XXXX and added {$25000.00} to the loan after making a payment to them at the same time. Behind one payment. Only transferred half of the payment to XXXX XXXX and this was the beginning of my problems. This put me behind and had to make up the difference. My original purchase of this single family home was purchased for {$22000.00} on XX/XX/XXXX. After XXXX sold the loan after acquiring the mortgage from XXXX XXXX went bankrupted and added {$25000.00} which made the loan {$250.00}. We lived in this home for 7+ years and stated we were 381 days late with payments.. Payments began at $ XXXX a month, after the loan was sold, I was NOT allowed to refinance this loan using my XXXX. or VA benefits. The story is incredible and I have just found the right people to voice my concerns. Bottom-line was I had to do a Dead-in-Lieu to avoid Negative Credit Implications. The house was sold in XX/XX/XXXXand my family and I moved to XXXX AZ after during a deed-in-lieu to make a new start. I am a Veterans of 22 years service, XXXX XXXX and this issue has plague my mine for years and I truly need to try and recoup my funds that appears to have been stolen. I have the receipts for the payments as well which makes this unbelievable. XXXX XXXX did an audit as requested of the account and their documentation looks to be okay but confusing. I was in Bankruptcy during this same time of the transactions and all my funds were accounted for by the Courts why payments were still being paid at the time to XXXX XXXX and too much info to explain here. See attached documents to explain the documents received from XXXX XXXX.

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 03/22/2016 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been in a dispute of an alleged credit card account that I am not aware of at all and It has been in a judgment in superior court for 2 times since XXXX ( very unawares ) and XXXX ( did not want to resolve the matter in XXXX from scheduled date and it was made on XXXX ). I have presented questions for the opposing party, DISCOVER BANK, by way of a law firm, in for them to answer and they have refused tremendously in answering the questions. This is why I have not received cooperation in regards to this alleged account and I would like assistance on this matter most urgently. I have had a court date that was designed for XXXX XXXX and there was an apparent court date for XXXX XXXX that was issued but not to wait for the XXXX XXXX date that was awaited by myself in appearing in court for that particular date. Altogether, this alleged account is in scruples and is very tiresome of the opposing party in answering questions that has been involved in gathering the history of this account, with any supposed credit card application, or signature of the alleged account and this is very disturbing for me, be it that I have been under identity theft with my social security #, or address, or phone number ( s ). I need help in resolving this issue, be it that I am in a judgment notice of " Right to have Exemptions designated '' and it is very disturbing of the opposing party in answering questions pertaining to this alleged debt that refused so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is not mine. Credit card is in XXXX XXXX 's name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a bank of America secured visa card where I have deposited {$5000.00} to obtained the visa card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with bank of America. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence bank of America imposed $ XXXX yearly fees on the secured visa card. Since my balance was XXXX I was not getting any statements from bank of America. As I submitted my loan application for mortgage and checked my credit score I see bank of America reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to bank of America and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a XXXX balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured visa card which was imposed without my knowledge and without any sorts of communication. Please tell bank of America to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.

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

Complaint: On XXXX I found out that I was was affected by the Equifax security breach. Equifax demonstrated a blatant lack of security by storing sensitive, personal information on their servers in a plain text file instead of an encrypted file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Student loan (Non-federal student loan) with KEYCORP (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$890.00} High Balance {$630.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have NEVER Had an account with XXXX XXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Motion for deletion of debt due to cramming charges law suit XXXX federal trade commission vs XXXX. I had XXXX around said time, left due to cramming charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My niece needed a student loan to complete her education at XXXX College in XXXX, New York. She asked me, her uncle, if I would agree to guaranty the loan because the lender would not provide the loan without the guaranty. She was told by the lender at the time the loan was committed that if she made regular timely payments after she graduated, the lender would release the guaranty. On XXXX XXXX, 2015, after paying her student loan payments on time for over two years, she submitted an application to American Education Services ( " AES '' ), the loan servicer, on my behalf requesting that I be released as a guarantor of her student loans. She never received a written response to her request. However, I called and learned over the telephone from AES that her request was denied because of her credit score. On XXXX XXXX, 2015, she requested that AES reconsider its decision and release me as guarantor. Her credit score is excellent and there is no reason why I should not be released. As proof of her credit worthiness, she sent a copy of her personal credit report to support her request for reconsideration. Once again, she received no reply to her request. I again called AES and was told that, while my niece is employed full time as a teacher, has made every payment on time and has a good credit score, she has an auto loan and a mortgage. AES said that the amount of debt required AES to decline the request for me to be released as guarantor. It appears that the lender 's promise to release her uncle 's guaranty if she made timely payments is illusory. They never intended to keep the promise. The fact that they never respond to any requests is indicative of their lack of commitment to perform as they promised. Also, the ever changing excuses for refusing to release the guaranty is further proof that the lender is not performing as promised. My niece asked AES if her parents could be substituted as guarantors of the loans. AES refused to consider this and said the only choice my niece has to release me as guarantor is to pay off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I applied online to open a bank account and I failed questions in public domain about things that have nothing to do with me. I called HSCB Bank and they did nothing to resolve the issue. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation