milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have made additional payments on my loan every month since origination, yet it still shows the maturity date as XXXX 2022. I believe my maturity date should recognize the thousands of dollars I have paid in additional principal and reflect an updated ( and reduced ) maturity date when I look at my loan information on the company 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pretty much I contacted the credit bureaus in regards to them having to show proof of account being mine Transunion has failed to do so and they keep sending the same letter to me over and over. The law states that if they can not provide me with valid proof of account collection being my debt they must delete it from my credit report file. It has been 2 months going on 3 months of trying to work with them on providing me with proof and they have not done so. In the following attachments I am sending everything I have since the day I contacted them and also the letters I sent and what I have gotten in return. Also receipts.

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 12-08-2015 about Debt collection (I do not know) with Capital Management Services, LP (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a claim for this previously but attached the incorrect document. I am filing this claim because of an error on my Transunion Credit Report however on my previously submitted claim I mistakenly attached my XXXX Credit Report as documentation. This is an updated claim with the correct document attached this time. Sorry for the inconvenience. 

It shows that my XXXX XXXX account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my 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 11-09-2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.

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 09/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (MD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Common wealth reinserted information that had been deleted in XXXX 2015. Common wealth agreed to remove account yet Experian continues to report account. Please delete account number XXXX from my credit report immediately as agreed.

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 03/29/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you.

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 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FIRST THIS IS NOT A REQUEST FOR ANY FREEZES OR SECURITY ALERTS TO BE PUT ON MY FILE. 

TRANSUNION CREDIT IS IN VIOLATION OF THE FCRA. SPECIFICALLY SECTION 609. I RECEIVED A NEW CREDIT REPORT TODAY AND THERE ARE XXXX ITEMS STILL REPORTING THAT THEY CAN NOT VERIFY BY THE LETTER OF THE LAW. 

1. XXXX. THIS ACCOUNT SAYS IT HAS BEEN CHARGED OFF. I CONTACTED XXXX MYSELF AND THEY COULD NOT LOCATE AN ACCOUNT FOR ME YET TRANSUNION REPORTS IT AS A NEGATIVE ACCOUNT. I HAVE ASKED THEM TO SUPPLY ME WITH THE SIGNED APPLICATION FROM XXXX AND THEY REFUSE, ALL THEY DO IS SAY IT HAS BEEN UPDATED. SECTION 609 OF THE FCRA SAYS THAT THEY HAVE TO HAVE ON FILE THE ORIGINAL SOURCE DOCUMENT TO PROVE VALIDITY OF THE ACCOUNT AND THEY DO NOT HAVE IT AND YET THEY KEEP REPORTING IT TO SIMPLY HURT ME FINANCIALLY. THEY ARE BREAKING THE LAW. 

2. XXXX : CAN NOT VERIFY THIS ACCOUNT, NO CONTRACT WITH MY SIGNATURE ON IT AND YET TRANSUNION KEEPS IT LISTED AS A NEGATIVE ACCOUNT. THEY ARE ONCE AGAIN BREAKING THE LAW AS THIS ACCOUNT CAN NOT BE VERIFIED PER SECTION 609 WITH PROPER SIGNED DOCUMENTATION. BECAUSE I NEVER HAD AN ACCOUNT WITH XXXX. THIS ACCOUNT IS NOT MINE.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting frontier it 's not mines I ca n't utilize that service in my area, XXXX and transunion are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I read about the Equifax hack yesterday ( XX/XX/XXXX ), over the course of that night and the following day ( XX/XX/XXXX ) while at work I became more and more stressed out, I never used credit at all, except for my mortgage. I do n't believe in spending money you do n't have, so I 've never had, and never will obtain credit cards or get loans ( other than for my home ). When I got home from work today ( XX/XX/XXXX ) I immediately went to the FTC website to see what my options were, so I followed the directions, and my information is at risk according to Equifax 's website. I called XXXX, and while I could not get a live operator, I was able to place a 90 day identify theft alert on my credit report via the automated system. 

I just want to be left alone. Let me pay my mortgage, I never want anything else finance related.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.

Company response to consumer: Closed with non-monetary relief