milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: The home is in foreclosure. The past 4 months Nationstar was made aware that the property was in the process of being purchased/ sold to a new party, which is why numerous reinstatements and pay offices were being order on a monthly basis. The file is now in escrow and ready to close. Nationstar was made aware that the file was in escrow and was sent over all pertinent documents pertaining to the transaction Nationstar will be paid the full amount owed via this transaction but they are REFUSING to let the transaction be completed. We are asking for the sale to be postponed so the loan can be funded and Nationstar can received their payoff in full. We are simply asking for an additional 2 weeks to 30 days at the most.
There is no tangible reason why Nationstar should not postpone the sale date. At this point it is apparent Nationstar would rather foreclosure than assist in this process. The XXXX  feel as if they are being discriminated against based on race, ethnicity, national origin.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation to complete this transaction of Homeowners file indicates a preference to profit directly from their hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continues to report information on my credit file that is not mine. The company also continues to place an address associated with the inaccurate accounts back on my credit file after it has been deleted numerous times. ( See Attachments ) I have filed a number of disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following address and accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX 2 ) US BK Court-XXXX # XXXX 3 ) US BK Court-XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have furnished and verified the inaccurate accounts when in fact the Court has not provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Credit card) with Allied Interstate LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I have been trying to get Allied Interstate/XXXX to communicate with my credit counselor regarding my debt. Despite receiving verbal and written authorization to do so, they still refuse to communicate with him. 

I have also agreed to a settlement amount of {$1500.00}, but the last time I spoke with Allied they told me that they could only mail the settlement letter and that they would n't date it for further than 10 days from the day I spoke with them - which would not give me enough time to send the settlement payment.

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 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I got my loans between XX/XX/XXXX-XX/XX/XXXX I was under the impression that I could defer my loans that were originally under {$60000.00} now they have increased to more than {$100000.00}. I have two loans that I have to worry about the parent plus loan and my own personal on that I got through school. After I receive my XXXX degree I did differ my loans well I went back to school to receive my XXXX that is when the interest inflated my loans. It 's difficult to pay these as interest on the loans goes up as well as cost-of-living, but pay does not go up. I do have a job and I tried to contact Navient but it is always a hassle trying to get them on the phone, I do n't think I 've been able to successfully talk to a person since Navient took over XXXX XXXX, and I make too much money to take advantage of income-based repayment plans so I pay over {$1000.00} in loans. The cost of education is ridiculous and the jobs are n't really here to help support an adult after attending post secondary education establishments. Immediately after I graduated with my XXXX degree I was making & XXXX an hour, it 's difficult to pay a couple hundred dollars in student loans making {$XXXX} an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Late fee

Complaint: Customer Service XXXX. XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX This letter concerns account # XXXX XXXX XXXX XXXX. Cardholder name is XXXX XXXX. Address is XXXX XXXX XXXX, XXXX, Illinois. Any additional cardholder information can be provided on request by calling XXXX. 

For the XXXX billing period, the amount owed on the account was {$22.00}. The due date was XXXX XXXX. Payment was sent on time, but, probably due to the XXXX weekend was not recorded until XXXX XXXX. The delay in payment, at the very worst was one day. If the payment had had been recorded on XXXX XXXX, the balance on the account would have been XXXX. Instead, a late fee of {$24.00} was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). 

Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how {$24.00} was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor. After XXXX minutes a representative from XXXX came on the line. Interestingly, she could not help with the TJ Maxx account. 

Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the {$24.00} fee. 

The purpose of this letter is : 1. To make certain the {$24.00} fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. 
I am still curious how the amount of {$24.00} was determined. 

Thank you for your time and effort. I look forward to hearing from you in the near future. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity Under Closed accounts XXXX XXXX XXXX XXXX XXXX   open XX/XX/XXXX15 Amount XXXX Attached is copy of police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Mortgage (FHA mortgage) with Seterus, Inc. (TX).
Issue: Closing on a mortgage

Complaint: I filed bankruptcy in XX/XX/XXXX and included my XXXX Home in the bankruptcy. The chapter XXXX bankruptcy was discharged in XX/XX/XXXX. Over the nest few years I worked hard to rebuild my credit, moving to XXXX for a better job. In XX/XX/XXXX my husband and I applied for a mortgage and were approved up until 2 days before the closing. We were told that we could not close because the home had never gone to foreclosure sale. I tried for the next couple of years to find out why and no one could answer me. Finally in XX/XX/XXXX I was issued a foreclosure notice along with a " Notice of Filing the Original Affidavit of Lost Note ''. Because of the incompetence of XXXX XXXX and Seterus, the company then handling the note, I was unable to purchase a home I qualified for in every other respect. I believe I am entitled to some kind of compensation for this problem and negligence.. It was no doing of mine, I followed all of the procedures I was supposed to and was held back from purchasing my home. With only 2 days notice, my husband and I had to put all of our belongings in storage for a month and live in a hotel until we could find a home to rent. I have had to rent since then.

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 11-11-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Santander came and Repossessed my car again XXXX 17 @  XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (ME).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Closing/Cancelling account

Complaint: I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?

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 11-03-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am currently paying on a high interest loan for an education from XXXX XXXX XXXX XXXX Illinois that is not worth putting on a resume because of all the legal matters going on with fraud and passing students just to push them through. Even XXXX XXXX and XXXX XXXX tell people to stay away and do n't enroll in these colleges

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: I had a loss on my home and the insurance company paid for the loss. First mortgage Chase wants to keep the money in their escrow account and pay the contractors when I provide Chase with the licenced, insurance and estimate provided by such contractors. I find this unacceptable as Chase is not a insurance company or claim processor. Chase needs to release the funds and be fined appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested to validate the alleged debt on XXXX/XXXX/XXXX via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Revenue Assurance Professionals received the registered letter on XXXX/XXXX/XXXX. It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefore, Revenue Assurance is illegally reporting a invalid 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 12-08-2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.

Company response to consumer: Closed with explanation