milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 inquiries from capital one that I did not authorize. 

XX/XX/XXXX and XX/XX/XXXX I 've called to have them removed as I did n't authorize but they have n't been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with DISCOVER BANK (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid an account with XXXX XXXX XXXX. I submitted the paid receipt to Equifax ( attached ) and they left the balance on the account. This is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit report lists my correct address and XXXX false address where I have never lived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment with my now ex. We finished our first lease and renewed the lease for a second year. We started having problems in our relationship and I moved out XX/XX/XXXX, the lease ended in XX/XX/XXXX. The lease was paid in full. My ex decided to stay in the apartment. I never resigned a lease and from my knowledge they allowed him to stay in the apartment and extend the lease without my signature for a new lease. I had told them that I no longer live there and do not want my name on the lease anymore as the original lease had ended. The lady in the office said I ca n't take your name off of the lease because XXXX does n't make enough income to pay for the apartment. I fought with her telling her that my lease ended and I no longer live there. So she knew that he could n't afford the apartment and still let him live there. He ended up defaulting on the lease in XX/XX/XXXX. Almost a year after I had moved out. There was also damages to the apartment that are charged in addition to all the late fees and court costs. 
I have a letter from XXXX himself stating that he is solely responsible for the lease and apartment. Also the bill that the apartment complex sent out was ONLY billed to him. I have been fighting with the collection agency letting them know that I was not a resident after my lease contract was completed and paid in full for the duration of the lease. I never renewed or resigned anything after the lease ended in XX/XX/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 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.

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 04-09-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Specialized Loan Servicing effective XX/XX/XXXX. All the terms of the loan were to remain the same including escrow and insurance and tax payments. I just found out XX/XX/XXXX that they have been collecting the escrow and not making any insurance and tax payments which have become delinquent and incurring penalties. I contacted SLS about this and getting a refund of my escrow in order to pay my delinquent taxes and insurance premium and I can not seem to get a straight answer or my money, they do not return calls and their practices are fraudulent. The web is littered with all sorts of complaints and lawsuits against this company and they need to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I submitted disputes to Experian in regards to 40 accounts that were reporting improperly on my credit report. Me and my Husband had a BK onXX/XX/XXXX ( discharge date ) that which these items were included. On XX/XX/XXXX Experian claimed these were " investigated '' ( in less than 24 hours? ) and remained the same. I then again, disputed these items with the legal documents ( attached ) on XX/XX/XXXX ( I do not have the ability to upload the complete BK file, it is too large ) and again on XX/XX/XXXX Experian refused to properly update my report. Isn't this against the BK law? What can I do? Do I need to take Experian to court? I would greatly appreciate your help.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.

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 12-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: This complaint is related to complaint XXXX against Bank of America. This prior complaint was closed without proper resolution. On XX/XX/2016 I faxed all information requested by Bank of America to Bank of America. On XX/XX/2016, I followed up with Bank of America via fax ( Since I do not have a phone contact ). I have heard nothing from Bank of America. 

I am requesting the funds in my late sister 's bank accounts ( checking and savings ) up to the cost of her funeral ( Which I paid for ) in accordance with Illinois state law and the Illinois Affidavit of Small Estate. I am requesting the balance of her account including any fees and ach 's, etc paid out from her account, either to BOA or to creditors up to the amount of the funeral expenses that I paid for {$3600.00}.

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 06-06-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was promised by RPM that they would delete my collections account after it was paid. I have tried talking to everyone at that company but no one will even help. I did n't even realize I had debt un paid until I tried to get my mortgage. I paid the debt immediately in full and trusted they would do their part.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hard pull credit without permission

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 09-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar Mortgage, whose address is XXXX, TX XXXX. On XXXX XXXX, 2015 I received a notice that my escrow account for property taxes had a shortage of {$960.00}. I was told I could either pay the full balance and keep my regular monthly payment the same, or have my regular monthly payment increase by {$110.00} per month from {$1900.00} to {$2000.00}. I chose the former and wrote a check to Nationstar for {$960.00} as instructed. That check was cashed by them on XXXX XXXX, 2015. However, due to an internal error on their part, someone misapplied those funds and chose to add that amount as principal reduction rather than to my current escrow balance. As a result, unbeknownst to me, the system maintained the monthly payment amount as {$2000.00}, So when I made my regularly scheduled XXXX 2015 mortgage payment of {$1900.00}, the system did not show the balance as being paid in full and charged me a late fee. It also suspended the payment from being applied to my account so that my credit is negatively affected. I called Nationstar on XXXX XXXX, 2015, to figure out what happened and after an hour of back and forth with very poor customer service or assistance, the woman XXXX stated that the matter was resolved, the funds would be properly applied and my payment would stay the same. However, on XXXX XXXX, 2015 when I went on the Nationstar website to make my XXXX 2015 payment, it still showed the incorrect higher amount was due. In addition, it showed that my XXXX 2015 payment was still in suspension and had yet to be applied. Again, this affects my credit and causes extra fees to be applied to my account. So I again called customer service on XXXX XXXX, 2015, and spoke with XXXX. I went through the same discussion and transferring of calls back and forth that I did the first time. XXXX said that they had to ask for the escrow payment of {$960.00} to be reapplied to the outstanding escrow balance in order for the monthly payment to go back to what it was and that would take another 7 to 10 business days. Why the first lady did n't do that is beyond me! So now I have to wait another 2 weeks for this issue to be resolved, meanwhile my account shows as past due and it affects my good credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back on 2013, XXXX XXXX XXXX issued a XXXX for {$13000.00} which we completely reported to IRS and paid the tax on this amount. XXXX XXXX XXXX reported this amount to the credit bureau as negative and di not want to close this issue. As the result of their negeligence and misrepresnation, we were not able to secure many loans. We have sent many letters and communications to this company and as of today, they refused to provide us with anything in writing that this account is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an unverified account from XXXX account # XXXX that was placed on my credit report and I have been trying for over XXXX months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my XXXX dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Trans Union has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.

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 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Cash advance fee

Complaint: I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (IA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.

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 02-07-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.

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 03/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The information on this website is misleading. 
https : //www.navient.com/loan-customers/interest-and-taxes/how-to-calculate-your-interest/ # Your current principal balance The number of days since your last payment Interest rate factor = interest rate 365.25 ( number of days in a year ) = Your daily interest rate It should read ( Interest rate / 365.25 ) x current principal balance = your daily interest rate

Company response to consumer: Closed with explanation