milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a letter dated XXXX XXXX 2017 from Capital One stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite Capital One 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite Capital One 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the Capital One department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed complaint after complaint. Ocwen started threatening me with foreclosure due to a second mortgage that was discharged in bankruptcy. I was advised by the bankruptcy attorneys to refile bankruptcy to stop the foreclosure until they could correct the error they made in not filing the lien strip even though the money was discharged. I did just that. I wrote the courts and advised I was paying monthly to the courts even though my debts were discharged. To no avail. The case was dismissed several months ago. Now Ocwen wants the entire balance paid. On XXXX XXXX 2015 I called Ocwen and asked for a payment arrangement. The agent did n't ask any financial information but told me I had to pay XXXX in 2 days and another XXXX in 3 weeks and XXXX monthly. I could do that. I asked for the XXXX. I was told it would be sent out on XXXX/XXXX/15. I called Ocwen a week a letter asking for the modification packet. I was told it was sent out. I asked what address it was sent to. The agent gave me an erroneous address. I stated that back in XXXX I updated my address with Ocwen. I advised them I had the employee repeat the address twice and he got it correct. I advised I did n't receive the packet. Someone changed the address in the system. The employee advised it was faxed to me. I stated I do n't have a fax nor did I provide a number. He then stated oh it was mailed. As of today I have n't received it. I asked Ocwen what did they mail out to me. They mailed out foreclosure papers. I advised I did n't get anything because the purposefully sent it to Georgia. I asked if it was certified they stated yes. But could n't state who signed for it. I advised them i felt it was illegal to try to deny me the right to keep my home and foreclose without my knowledge. I set up a payment arrangement today. When I received the email it was entirely different than what we agreed on. I am pleading with CFPB please look into this. I a. Doing my part. I advised the agent I will take out money out of my XXXX for the town payment. He said ok as long as I could make the payment. I am willing to make an arrangement and request a modification but Ocwen is not working with me even though it 's there actions that have caused this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.

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 02-05-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit line increase/decrease

Complaint: I am filing this claim against Capital One credit card. I was told they will no longer bill me a annual fee and my credit limit would be XXXX. My credit limit has not charged for an entire year. I am pretty upset by this. I used this card all the time and can not get the company to do what they promise to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.

Company response to consumer: Closed
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In  XXXX    XXXX    Navy Federal Loan Officer ,  XXXX   XXXX , informed my wife and I via email that we would be able to be down the mortgage rate from 5 % to 3.75 % for {$12000.00}. My wife and I set a closing date for the sale of our old house and the purchase of our new house in  XXXX    XXXX  . In  XXXX    XXXX  ,  XXXX  informed us via email the amount to buy down the rate changed from {$12000.00} to {$24000.00}. My wife and I did not have the additional {$12000.00} to buy down the rate. We would lose our deposit of {$5000.00} if we did not go thru with the purchase of the new house so we moved forward and incurred a serious financial hardship by having to incur a monthly mortgage payment we did not plan for as a result of  XXXX   XXXX  lack of honesty/candor. I subsequently reached out to  XXXX   XXXX  manager,  XXXX   XXXX , Loan Operation s Manager, Navy Federal, and sh e has shown an unwillingness to help us refinance our house or provide a mortgage modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau

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 09/28/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I had a over draft fee and NSF fee issues with this institution..Branch manager was very rude constantly wanted to cut me off and asked for her superior whom she referred me to XXXX XXXX as the regional manager ... XXXX XXXX calls me the next day after my initial call to him and escalation email to the banks XXXX and he calls me and does the same thing ... .constantly cuts me off without allowing to get my point across and its either his way or the highway and does not like to be questioned ... ..he then tells me I have 10 days to close my account or he is gon na close the checking account for me. This bank 's problem seems to trickle down from leadership to the branch manager as if it is ok for the branch manager to be rude to their customers since the regional manager believes he can be rude and constantly cut me off ... .I reached out to the parent company Zions bank which pushed me back to the president of the Nevada state bank XXXX XXXX and gave me a # to call which I did and a guy picked up the phone and said he is the chairman of the bank and he has seen my email and someone named XXXX will contact me. I do believe XXXX XXXX did not like me asking him the actual procedures and federal laws that over the entire process and I do find him that he is either using my race against me or perhaps has personal issue with someone escalating to the office of the president and then is making a decision for me to forcefully close my account ... ..I get to decide to close my account if and so I want to do such not XXXX XXXX unless my account meets the banks policy requirements being in the red for so many days and they can force the account closed due to negative funds ... I am requesting that XXXX 's XXXX decision because he just decided to close my checking account to be denied as well as requesting the bank to provide written policy for business checking account over draft fees and pending transactions as well as written Policy when can the bank close a checking account at their sole discretion. I do believe XXXX XXXX from Nevada State bank is using race in this decision and none others besides the fact I asked him to provide such information in writing and the fact I asked him not talk over me while I am telling him my issues ... So far from the branch Manager to her immediate supervisor who is XXXX XXXX very rude, unprofessional and XXXX possibly and not like being asked questions about federal laws and written policies.

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 12/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i never owned this account

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: ( XXXX ) NOW ALLY FINANCE WHICH SHOWS ON MY CREDIT AS XXXX HAS ACCT ALL WRONG AND WILL DO NOTHING ABOUT IT IT IS 72 MONTH CONTRACT STARTED XX/XX/XXXX. SHOULD BE DONE XX/XX/XXXX I HAD 3 EXTENSIONS WHICH PUSHS MATURITY DATE TO XX/XX/XXXX.? THIS IS VERY EASY TO SEE I HAVE PAID OVER 30000.00 That was XXXX loan. I had to pay until XX/XX/XXXX to pay loan off they ended up with extra 18 months, you can look at XXXX and see all the notes they made me pay 90 months on 72 month loan with only 1 time 30 days late. I always paid my late fees. I have copy of my contract and credit report backs up my claims, the math does not add up. I paid XXXX more than what I should have, XXXX at 18 extra months that should not have been .. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$17000.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$450.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 90 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Auto Date of First Delinquency : N/A Comments : Consumer disputes this account information 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR 30 NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR PLEASE HELP WITH THIS XXXX IS A LOT OF MONEY THAT I COULD HAVE USED NOW COMPONDED WITH INTEREST WOULD BE MUCH MUCH MORE. 
THEY JUST LAUGHED AT ME, AND SAID GOOD LUCK. THANKS XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: Missing SEPA withdrawal since XX/XX/XXXX - Initiated SEPA withdrawal of XXXX from Coinbase to my bank account on XX/XX/XXXX XXXX CET - Promised completion of this transaction XX/XX/XXXX - Support ticket created XX/XX/XXXX - > Still waiting for any response or action - Transaction shows still " pending '' in Coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (MD).
Issue: Struggling to pay your loan

Complaint: On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Mortgage (Other mortgage) with CIT BANK, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Indymac did not provide a truth in lending statement showing the {>= $1,000,000} I will pay for the {$200000.00} they refinanced. 
I have however paid {$270000.00} in principal payments, all interest due and all taxes and insurance due since 2004. I guess the other {$77000.00} paid onewest bank for the money they had to pay IndyMac federal for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/2016, I opened an XXXX XXXX XXXX XXXX XXXX Credit Card, and I have not received the bonus XXXX Starpoints. Nor has my mother received the bonus XXXX Starpoints for referring me. I was also under the impression at the time of sign up that I would receive an additional XXXX points for reaching a certain spending threshold, which I believe had been met. I have tried unsuccessfully several times, through phone calls and online chat sessions, to get XXXX to uphold their contractual agreement with me. 

I was told by a customer service rep through an online chat session that these points should be awarded to me in XX/XX/XXXX. After not receiving them, and numerous attempts made, I threatened to sue XXXX and was transferred to a manager who overnighted XXXX points to my XXXX account. 

I later discovered that these were not the XXXX bonus points as promised, but rather a forward of points that I would be in debt to. I was never told this. My account has not been generating consumer spending reward points since. 

I have been lied to my an XXXX rep, on phone record, that a manager would call back within 24 hours to resolve the issue. Never received a call. I have been lied to on chat session about the date I would receive my rewards. My most recent chat session ( screenshots attached ) asked what the next step would be to prevent this from going to court. The supervisor never responded and ended the session. 

Note : Some of the screenshots are not loading. Can I send them to an email address?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Medical) with Transfinancial Companies, Inc (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment. 

I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency. 

As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital. 

This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

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 04/24/2015 about Debt collection (I do not know) with URS Holding, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.

Company response to consumer: Closed with explanation