milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Reverse mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, I 'm writing on behalf of my mother XXXX XXXX, property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
In XX/XX/XXXX, my mother was approached by a loan officer of Bank of America for a reverse mortgage. At the time, my mother was diagnosed and legally declared XXXX. The loan officer knowingly gave my mother a Reverse Mortgage while she was declared XXXX XX/XX/XXXX. 
At that time, in XX/XX/XXXX, my mother was not even living in the subject properly listed above. My mother living her Sister, XXXX XXXX. 
I recently spoke to a friend about my mom 's situation, and was told all the activities were done in XX/XX/XXXX was against the law and HUD/FHA guidelines. 
My mom 's property is now in jeopardy of a foreclosure if all he back taxes are not paid up by XXXX XXXX, XXXX. 
I really need your help looking into this matter and stop the foreclosure proceeding since the loan was not even supposed to given to my mother. 1. my mother was not XXXX at the time, and 2. she was not an occupant at the time. 
Any supported documents for my mother 's condition at the time can be provided to support my claim. 
Thank you so much for you time and assistance.

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 02-10-2018 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with R & B Corporation of Virginia (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract ( s ) with Credit Control Corp. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Billing disputes

Complaint: My wife has not received a paper bill from Chase Card Services for an Amazon account in two years. I was informed that the account had paperless billing. The card is basically maxed out with late fees despite receiving payments and I had no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (DE).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, XXXX, my fiance and I entered into an agreement with XXXX XXXX of XXXX XXXX to purchase a condominium in the property located at XXXX XXXX XXXX XXXX, Delaware. The initial hold deposit of {$100.00} was paid at that time. A few days later we were to return with a deposit of {$500.00}, as well as a 50 % deposit on the upgrades ( {$4200.00} for wall paint colors, carpet and certain hardwood flooring, appliance colors, and backsplash in the kitchen ). The upgrades were to be made once the financing was approved. 
By XXXX XXXX, the {$4200.00} check had been cashed/deposited, and the upgrades began. 
On XXXX XXXX, we received the first mortgage denial letter from PNC. The reason stated was that the application was incomplete. All of the documents that the PNC Loan Officer- XXXX XXXX requested were delivered promptly within two or three days. He said everything would be fine. According to the contract, the seller, and the Loan Officer ( LO ), we were due to move into our unit by XXXX XXXX, XXXX. On XXXX XXXX, we were asked by the LO to come up with an additional {$3800.00} to close. Against better judgement, we were came up with the additional money ; only to find out we did NOT have a mortgage approval-and never did. According to information discovered much later, the application was never even reviewed by a PNC Underwriter. 
Our money has been used for upgrades to a unit we will not be approved or allowed to occupy and it seems no one is willing or offering to refund our money. 
Meanwhile, while we were expecting to be out of our current apartment and had given proper notice ; we had to agree to the additional costs ( {$100.00} more per month for 5 months-XXXX through XXXX ) of maintaining a month-to-month lease, while this matter dragged on and on and on. It was during that time after creating this fiasco, XXXX XXXX stopped taking our calls and responding to our messages. XXXX XXXX, knowing XXXX XXXX had conducted his business in the same manner with at least one other prospective buyer, introduced us to another Loan Officer with PNC, XXXX XXXX ( XXXX XXXX XXXX Mortgage Loan Officer PNC Mortgage, a division of PNC, N.A. 
XXXX XXXX XXXX Local Office : XXXX XXXX XXXX XXXX, DE XXXX PNC Financial Services Group XXXX, PA XXXX ( p ) XXXX ( fax ) XXXX XXXXXXXXXXXX ) After several conversations and meeting in person with XXXX XXXX we showed him the message from XXXX XXXX telling us to " disregard the denial letter, WE WERE APPROVED ''. XXXX XXXX then said he would take this to his boss, XXXX XXXX XXXX, ( XXXX ) and he was sure PNC would refund our money. His subsequent message was that they were shocked when that did n't happen. We were finally forced to renew our lease for another full year at our current residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On Friday  XXXX   XXXX  2016 I applied for a credit card towards the purchase of a painting from Park West Gallery aboard the   XXXX   XXXX   XXXX  . On   XXXX   XXXX   I cancelled I cancelled the order from Park West via email after realizing that the bill of sale did not include vital information indicating authenticity. I lost trust in the company after I reviewed the handouts they provided and everything was mismatched and worthless. For the record I received no benefit - No goods were shipped to me and I received no goods from Park West.
Around the end of  XXXX  the Park West Gallery Synchrony credit card arrived at my house - I immediately called and cancelled the card - I was clear that I did not want that card. I was even told by the representative over the phone You will never be able to have a card with Park West again - I said that 's all right. I destroyed the card and therefore never ever used it.
Mid to late   XXXX   of 2016 - I received a credit card statement from Synchrony Bank showing that I owed {$790.00}. I immediately called, not knowing where and how this occurred and the representatives answering the phone could not tell me a name of a company or provide any information other than what I already saw on the statement which was   XXXX   XXXX  . A few days later I received a letter from Park West indicating I had a credit with them for {$790.00} that I had to use by a certain time towards a purchase with them. I immediately sent registered letters to the credit card company as well as Park West indicating that I did not want to be forced to do business with them and according to Contract Law their bill of Sale is null and void.
Needless to say, I am getting harassing calls every hour on the hour from Synchrony Bank and this is now affecting my credit.
FACTS : I received NO GOODS. I received a bill from Park West Synchrony Bank and a credit from Park West Gallery for the same amount.  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 11-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: When I pay my XXXX XXXX phone bill, funds appear immediately deducted ( within moments XXXX from my Wells Fargo checking account and posts as a pending transaction on my account as I view through my mobile banking application. The following day ( after paying my bill XXXX the transaction no longer appears in my checking account history and the funds appear added back to my balance. The bill pay transaction ( over the last few months ) will then not appear in my history until up to a week later, when the funds are again deducted. During this week long 'lag in batch processing ' XXXX customer service agents and billing specialists assure me that they have my money as of the day I paid my bill. I believe Wells Fargo is purposefully, removing and delaying these transactions in order to charge me hundreds of dollars in over draft fees. I feel both companies choose to point fingers at each other while I pay the price. The fact that a transaction can post to my account one day and then disappear for a week, is a scam. Seems like its illegal, and if it is n't it should be. This type of behavior is unacceptable. I expect restitution for this most egregious hardship. A similar complaint has been filed against XXXX regarding this issue through the 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 monetary relief
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX Target is reporting that I was late in XXXX. I have contacted them and they are not willing to help. I was not late. First, I tried to login to my account online and for some reason they locked me out. I tried calling and they refused to help me login. I went to the local Target and tried to make the payment, they told they could n't find the account. They were very busy that day so they asked me to leave the check with my account number and they would call the credit number and fix it. Apparently the payment was not applied. I tried calling them and stopping by and NO ONE wants to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.

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 06/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a past due balance from child support enforcement reporting to all XXXX agencies. This was paid in full in XX/XX/XXXX and updated on my credit reports in XX/XX/XXXX ( removed from both XXXX and XXXX ). I contacted the child support enforcement agency to confirm that they also sent updated information to Equifax and was advised that they did. I disputed the information to Equifax and advised that the balance is incorrect and the payment information was also incorrect. I attached a copy of my current account statement and requested investigation. Equifax advised that they investigated and found a past due balance and last payment information. Both are incorrect. I do n't believe they investigated at all. The past due balance that they claim was updated is exactly the same as it was when I filed the dispute. They are also reporting this account as a collection account. I have no collection or past due or arrears balance with child support and in fact, due to the way my order is structured, receive a refund for overpayment in the amount of {$25.00} every single month. Equifax is not correcting the information, and as I stated, I do n't believe that they investigated this at all, or they would not still be listing a collection account or at the very least would have corrected the past due balance. I have attached the same document I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 student loan total and only 4 and they are on my credit report 12 times. I dont understand. XXXX XXXX held them originally then they were sold to Navient and now they are with the XXXX XXXX XXXX. Each account listed is a duplicate with each provider. So the negative information shows up on XXXX XXXX 4 student loans. same 4 account and negative info under Navient and the same 4 under XXXX XXXX XXXX. 

How do I get all the other loans removed except the 4 student loans that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (I do not know) with PIONEER CREDIT COMPANY, INC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There was not an option for my problem. This report has showed on my credit and damaged my credit for 7 years and 6 months. I have tried for almost a year to contact the company with no return calls. When I call the number one of the office braches have given me for the main office that takes care of the debit I always get an answering machine, I leave a message, and they never return my call. I have been trying to buy a house and this debit that I am not able to pay is damaging my interest rate. I have disputed this account thru XXXX XXXX and the return response was they were going to remove from my credit but it remains as a {$230.00} charge-off. Please remove this account from my credit so I can buy a house!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to refuse to remove several accounts from my credit report that are closed, paid in full, and XXXX balance. XXXX accounts with the Department of Education/XXXX XXXX numbered XXXX are closed, paid in full, with XXXX balances, and have been for six weeks. Similarly, an account with Navient is closed, paid in full, with XXXX balance also. The account number is XXXX. All of these accounts are closed. I have previously provided proof and attached documents, so it is very frustrating that Experian is failing to act. 

Also, I have requested that Experian remove XXXX inquiries that are fraudulent and I did not authorize. XXXX from XXXX XXXX, twice, on XX/XX/2015 and XXXX. XXXX from XXXX XXXX on XX/XX/2015. Please remove these unauthorized inquiries from my credit report.

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