milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: To whom it may concern, I XXXX XXXX received a credit card from capital one. I had used the card once to withdraw {$60.00} from the ATM the card worked perfectly. Then I went to the store to purchase a gift for my daughter, the card declined. I went to another store with the same results. The next day I called capital one to check my card and was directed to the fraud division. They asked me a few test questions which I had answered all correctly except for one question. I was instructed by capital one to send a copy of my social security card, utility bill and my New York state ID. First I had faxed everything but capital one said that it was n't clear enough. Then I had uploaded it on my lab top and capital one said that it would take 24 hrs. before my card could be re activated. After the 24 hrs was up I was told by capital one that it would now be 72 hrs. I participated in capital one 's survey giving them a horrible review., at the end of the survey capital one asked me was I the same person who contacted them on XXXX XXXX. I had replied saying yes and now when I call capital one I can never get a live person on the phone. I received a letter from capital one today stating that I might be a victim of identity theft which is another lie that capital one has told. Some of my friends have said that the same thing has happened to them. My husband said that he was n't ever able to use his card because Capital one told him that he was a victim of identity theft. Capital one done nothing but send me back XXXX and sabotage my daughter 's birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. 

I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. 

Report is missing past due amount, date of last payment, monthly payment, and frequency. 

Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DataMax Corporation (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have a collection on my credit report for {$51.00} from Datamax / Interstate Credit Collections. When I called about the bill I spoke with XXXX and she informed me that it was my name on the account and called out my social security number to me. She also said that is was a joint account with XXXX XXXX and gave me the forwarding address where the bills were sent. I informed her that I 've never lived in XXXX and she once again confirmed she had my full name and social security number for this bill. I called XXXX XXXX and also spoke with a XXXX. She was unable to pull up an account with my name or social security number. I told her the amount and that Datamax said it was a joint account with XXXX XXXX. XXXX found the account in question but said it was under XXXX XXXX and XXXX XXXX and that my social security number was n't on the account. My social security number was n't in their system and she did n't know how it got connected to this account. XXXX XXXX states that they do not have my information on file ( full name or social security number ) and that was n't the information give to Datamax. Datamax states that they only use information from the client. Somewhere in the process there is a discrepancy in correct and honest information. Since NC is a one-party state all calls to Datamax and the XXXX XXXX were recorded and as a courtesy I let the other party know it was being recorded. This mistake needs to be removed from my credit report asap because I 'm in the process of buying a car. However, my biggest concerns are 1 ) how did they get my social security number 2 ) how can this be reported on my credit report when the names on the bill in question are n't mine? If you take the first name of the female and last name of the male you have my name and I live in the same county as XXXX XXXX and XXXX XXXX. Assuming that couple got married she would have my first and last name but not my social security number. HAVING ACCESS TO MY SOCIAL SECURITY NUMBER IS MY BIGGEST CONCERN. Datamax / Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 04-02-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.

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 11/16/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in receipt of the update I was sent. The problem is that I do n't have my first delinquency date. What is that?? Your claiming that I was defaulted but when? What physically was it? 

Your claiming that the account was delinquent in XXXX of XXXX but from what I was told originally was something different. I was told it was XXXX XXXX - I called so many times and each time I am told a different matter. I need this account gone like yesterday! 

I ca n't have this account report longer since your company is making frivolous actions against my report. 

a response is needed with a deletion of the account

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IA).
Issue: Taking out the loan or lease

Complaint: We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with BANCORPSOUTH BANK (TN).
Issue: Credit card protection / Debt protection

Complaint: I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Medical) with ATG Credit, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medical debt that was incurred due to a car accident in XX/XX/2007. The medical providers agreed at the time to a lien, to wait until settlement with the insurance company of the person that hit me. They chose not to bill the health insurance I had at the time and the health insurance company would have rejected the claim anyhow since the treatments were accident-related. In XX/XX/XXXX, my case went to a jury trial. I partially lost the case and the medical bills now in collection as of XX/XX/XXXX were deemed to be unrelated to the accident. The medical providers broke the lien/contract by sending this to collections. They had an opportunity to bill my health insurance and did not. My attorney agrees that I should not be liable for the bills. I will pursue legal action, if necessary, but hope that you can intervene before I have to go that route.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is  now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!

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 10/27/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX & XXXX levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of {$800.00} and trying to get {$8000.00} more onXX/XX/XXXX. I called them on XX/XX/XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.

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 05/27/2017 about Mortgage (Other type of mortgage) with Franklin Credit Management Corporation (NY).
Issue: Struggling to pay mortgage

Complaint: A few years ago I refinanced my home to obtain a lower mortgage payment/rate. At closing I was promised a lower rate, which I signed to. After closing I received documents differ from the ones I signed at closing. 15.99 percent rate is unfair and inhumane. Subsequently I panicked and contacted the lender XXXX XXXX aka Franklin Credit, to remedy the situation. When nothing was done, I optioned to short sale my property. XXXX refused to accept a short sale. Instead demanded my keys. The housing market continued to declined, things got worst before they got better. XXXX XXXX ballooned/shuffled my mortgage and continues to do so. In addition, refused to work with me. They stop at nothing to take my property. I have been harassed multiple times. The banks and servicers come to my property to paste stickers on my gate, which states my property is vacant. Additionally, each time I try to increase my income by renting to tenants, the bank comes on the property to tell my tenants not to pay me. Not before long tenants overstay their leases, destroys my property, and do what they were instructed to do by the servicers and banks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, attorney XXXX & XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , all of them works as a team, and insists they 'll not work with me, due to the fact I need to be earning XXXX monthly, in order for them to leave me in my home. There is currently a sale date on my property. Currently I am partially XXXX, XXXX XXXX XXXX, with an XXXX XXXX  XXXX. I have nowhere to turn to. Nowhere to go if I am placed on the streets. I encouraged everyone to be careful, with mortgage companies. From the get go, they knew their initial intention, were to confiscate my property. In addition, they will prevent you from keeping your property, by ballooning your loan, shuffling your mortgage, subsequently telling you, it 's impossible to stay in your home, because you do not make XXXX XXXX dollars monthly. I have received many conflicting correspondence from the bank and all those involved. When I called the foreclosure department at the court, I am told it 's XXXX XXXX who is foreclosing on my home. However, a few weeks ago I was sent papers stating it 's XXXX XXXX XXXX XXXX that 's my bank. Please take a look of XXXX and see how many people have lost their homes, because of the same loan they were given as mine, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DE).
Issue: Problem when making payments

Complaint: I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and  was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.

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 (Payday loan) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation