milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, Capital One Card Services gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just received a " Settlement Offer '' from a collection company which I never had any contact with them on an unknown debt in the amount of {$55000.00}. 
I have asked them to show me some documents if they think this is my debt but have got nothing, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (MI).
Issue: Credit decision / Underwriting

Complaint: My Reverse Mortgage is being Foreclosed on, because of no Property Insurance. The company sent me a Insurance policy XX/XX/XXXX and added it to my Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is no my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: I think that Suntrust opened and closed accounts in my name that I was unaware of, then charged me overdraft fees for those accounts. I think this took place in the XXXX - XXXX time period.

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 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015, I have been fighting Navient, over my defaulted loans ; which, they state, that they are out of default. Currently, this is n't the case. I have n't been able to, reinstate my student status, due to this issue. I have called, everyone ( This includes the federal loans servicers ), over this issue. So, it has finally come to this. Lodging a Serious complaint, about the way I have been treated, over this past 12 months. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Auto debt) with Kirschbaum, Nanney, Keenan & Griffin, P.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Unfortunately, I had an auto loan with  XXXX   XXXX   XXXX   XXXX  tha t slipped into collections in the 1990 's, roughly 20 years ago. Recently, a collection attorney started sending me correspondence about this account, and also threatened to litigate the debt. Their contact, and action, is a violation of my rights under several state and federal collection laws. First of all, the statute of limit  ations to sue for this debt is three years in the state of NC. Since this debt is nearly 20 years old, it is a violation of my rights for this attorney to contact me, much less threaten a law suit. In addition to these threats, they have also threatened to send the sheriff to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of headache and anxiety as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

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 05/23/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested " validation '' of a debt I supposedly owe  to Wakefield and Associates. Th ey received the letter on  XXXX   XXXX ,  2017 . They sent me a copy of a bill for {$540.00} but the amount reported on my credit reports is $   XXXX .They were una ble to provide me with anything bearing my signature to prove I have an obligation to pay them. I pulled a credit report 30 days later and noticed the account was not updated as " disputed ''. I notified them of this and requested the account be removed from my credit reports. They responded by then updating my account as disputed and telling me the do not have to provide any additional verification. Not only has this company violated the law by not updating my credit report within the 30 day time frame, they are not bonded with the Te xas Secretary of State to even be able to collect debts in the state of Texas.

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 07/31/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer  available to transfer credits or finish course

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX : Retutned equipment to a XXXX XXXX at the time we moved. Asked if we had any outstanding balance, was told no we actually had a credit which they mailed to me. Now after a year of never hearing anything, email has not changed, I have it show up on a credit report. Called to ask what was going on? They said yes you returned equipment and we mailed you a refund but if you want this to go away you need to just pay it. Which I did so it quits reporting but I am following up with their corporate office for a better answer to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Customer service / Customer relations

Complaint: There is no reporting for XXXX, XXXX and XXXX for my Capitol One card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed with all XXXX credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX rep XXXX. I was told by XXXX agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX XXXX as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed several disputes for XXXX XXXX XXXX. I have filled out an Identify Theft Affidavit package and filed a police report as well. XXXX XXXX XXXX continues to " verify '' the debt since it matches my name and SSN. I have had the address associated with this account removed from my credit report since it is fraud. XXXX verifies the account because it was associated with my information. I need the information deleted from my credit report. 
Also, XXXX has not responded to any of my correspondences and I have disputed this account with the credit reporting agencies as well. XXXX has been in violation of the following sections of the Fair Credit Reporting Act. 

supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 
notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute notify every CRA involved that you dispute the debt provide you with a reasonable procedure ( including an address ) to submit a written dispute or report of identity theft, or inform you of the results of its investigation within 5 business days after it completes the investigation. 
Please assist me in getting this removed. I have attached my letters to XXXX and the Credit Reporting Agencies, My fraud packet, and police report. I have also attached the address which was deleted from my credit report due to fraud where XXXX is verifying the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I made my final payment on this credit card ( XXXX XXXX XXXX a XXXX XXXX XXXX ) credit card, I was left with a XXXX balance. This company held that payment for 3 days just to make me late and charge a late fee. Knowing that I had a XXXX balance and never went on this site again till XX/XX/XXXX when I noticed what they did. Hold my payment and charge late fee in XX/XX/XXXX and XX/XX/XXXX. They refunded one but they need to refund both which they did n't do. Scamming Hurricane victims out of money is wrong. This bank needs to be stopped from holding payments and putting it thru just to collect late fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I tried to have my mortgage re-financed through Wells Fargo. I paid {$430.00} for an appraisal of my home. They ultimately did not give me the re-finance, but told me my appraisal was good for 6 months. I went to another mortgage company and they want an appraisal as well. I told them to use the XXXX I just had done for Wells Fargo. They said it would be fine, but Wells Fargo has to transfer it into the name of XXXX XXXX. Wells Fargo is ignoring my requests and The man from XXXX XXXX 's request as well. I feel that because I paid for the appraisal it should belong to me, not Wells Fargo. I want them to transfer the name on the appraisal to XXXX XXXX so I can continue with the refinance of my mortgage. Wells Fargo is also who I have my mortgage with now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to  one dealership and asked them to talk to one ban k about doing a car loan. This dealership and tried to get deal approved with other banks which I did not authorize them to do.        
Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 04/25/2017 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: Experian has  XXXX   medical collections o n my report that are wrong. These medical bills are a part of a on going law suit and are covered under a letter of protection from my attorney. My attorney has already taken care of these collections when they were on my credit report from  XXXX  and  XXXX  and were removed. I do n't know what Experian 's problem is.     The  XXXX  collections are ...      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$310.00} {$310.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$640.00} {$650.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  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 06-05-2016 about Payday loan () with Risecredit, LLC (WI).
Issue: Can't contact lender

Complaint: missed second payment sent email and called trying to work deal they do n't call email or respond back ca n't make payment because I ca n't log on to account it wo n't work they keep changing terms on site

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I continue to seek an equitable solution from my lender, BNY Mellon to resume making mortgage payments. The  California Homeowner Bill of Rights states that a homeowner has the right to know who their lender is, and be able to make contact. The recorded message at XXXX XXXX XXXX states : " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all declsions concerning the terms of your loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have no done so already. If you are in contact with your servicer, please continue to seek guidance from them ... '' The servicer of my loan, XXXXXXXX XXXX XXXXXXXX, continues to say that BNY Mellon makes all the decisions. In XXXX 's literature under the title of " Need Mortgage Help, '' it states, " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. forbearance, 4. loan modification, among other  options. A recent conversation I had with them revealed that they do not offer any of these options except for a modification or short sale. The modification available reduces the payments by a few XXXX dollars. 
Given this, I retained the services of XXXX XXXX, partner at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... .the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX XXXX XXXX XXXX Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The BNY has never responded to XXXX XXXX or to me. XXXX did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modification thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. CFPB does not determine payment programs.

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