milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with Brock & Scott, PLLC (SC).
Issue: Trouble during payment process

Complaint: I am filing this complaint as the Representative of the Estate of my mother. She obtained a mortgage loan in XXXX XXXX with XXXX XXXX in the amount of {$160000.00} for her home. 
She fell behind on a few payments and requested a loan modification. According to questionable documents, the loan was modified in XXXX for {$200000.00} which is excessively more than the original note. Also the signature was questionable on the loan modification which lead me to have an expert forensic examiner exam the signatures. He concluded that my mother most likely did not sign the modification although it was notarized. I do not dispute that my mother agreed to some type of modification at some point but I strongly disagree that it was for the amount of {$200.00}, XXXX. Also the modification was signed XX/XX/XXXX. My mother XXXXXX/XX/XXXX I visited the notary. Although she could not remember my mother specifically she was 100 % sure that she did not visit anyone in the hospital to notarize a document. I can prove that my mother was in the XXXX XXXX on XXXX XXXX, XXXX and was not XXXX enough to sign the modification. 

The loan was sold multiple times. After my mother XXXX in XXXX, we made an attempt to refinance the loan with XXXX XXXX XXXX. After they produced the payoff amount, we disputed this amount. After no real answer from XXXX XXXX XXXX my father stopped making payments. XXXX XXXX XXXX attempted to foreclose but the foreclosure was dismissed when I requested an accounting record for the discrepancy of the loan amount. XXXX XXXX XXXX sold this loan to another investor. 

At this present time, the loan is owned by XXXX XXXX  XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX which hired an attorney to foreclose on an outstanding balance of now approximately {$330000.00}. The Loan is serviced by XXXX XXXX XXXX. I have requested an accounting record of the loan modification from the attorney at Brock and Scott in XXXX SC but no record was produced. My father would like to keep this home but feels that the bank has committed fraudulent deeds and sold this note to this new Lender that has no real answers as why the loan increased. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. I realize that this very last minute but we just were not sure what else could be done. We spoke with XXXX XXXX XXXX and the attorney suggested that we file a formal complaint. 

I will upload the, original loan docs, modification documents as well as the expert forensic examination results.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2015 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Meridian Financial Services, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.

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 04-09-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I RECEIVED A LETTER FROM C APITAL ONE C C DATED  XX/XX/XXXX  ATTACHED TO THIS CASE. I DO NOT KNOW IF C APITAL ONE  NEEDS SOMEBODY ELSE TO REVIEW THIS CASE OR SOMEBODY WITH KNOWLEDGE IN REGARDS TO THE DISPUTE. I HAVE CALLED  CAPITAL ONE  CC AND EXPLAINED IN DETAILS.   I NEVER HAVE DISPUTED AGAINST CC #  XXXX , THAT CARDS IS 100 % CORRECT AND FINE. THEY FINALLY REPORTED THE CORRECT BALANCE ON {$0.00} OWNED.   NOW  CAPITAL ONE  CC #  XXXX  --  XXXX  IS THE CARD I AM DISPUTED. AGAIN FOR THE  5TH  TIME SINCE  XXXX  & gt ; THIS CARDS IS A DUPLICATE FROM THE ABOVE CC #  XXXX . & gt ; IT WAS A  XFER CARD FROM ONE CA RD # TO ANOTHER #!!!!!!!! I HAVE ATTRACTED AGAIN THE CC REPORT SO THEY CAN REVIEW THIS WITH THEIR OWN EYES!!!!!   OVERALL I ONLY HAV E 1 AND ONLY 1 CARD WITH CAPITAL ONE O PEN   XXXX   WITH A LIMITED OF {$8500.00} AND BALANCE OF {$0.00}.   SO PLEASE FOR TH E 5TH T IME TAKE CARE OF THIS OR I WILL BE CONTACTED MY CONGRESSMEN.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with Altisource Portfolio Solutions, S.à r.l. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: Disputed inaccurate information reporting on my credit report and they are not removing this account from my 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 explanation
Consumer complaint received 01-03-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Late fee

Complaint: i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what

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 04-01-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (MN).
Issue: Rewards

Complaint: I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with Collection Service of Nevada (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Collection Service of Nevada is using the court system,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and local law enforcement  XXXX   XXXX   ( fi le  XXXX  ) to steal money from me. Please see attached documents -  (  paycheck stubs, etc. ) In  XXXX  Garnishment {$1500.00} -  Collection Service  reports only {$1100.00} received and is now  XXXX ,  XXXX  trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Equinox Financial Management Solutions, Inc. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I was given an condition offer for employment with Equinox and by using this report they discriminated against my background check using my past conviction under the " Fair Chance Act '' investigation took almost 2 months to finally get a response from the HR department including their legal department. Having said, after HR Director Mo requested some documentation of rehabilitation she did not respond or reply after involving a personal documentation regarding my past conviction. This was embarrassing, humiliation and did not give me a proper response on a decision based off the report when I requested the issue of why. After not hearing from them it would be targeting to those who are in a category and would left personal information being unnoticed. They used an ad to contain pre se violation to ease their job better. By this report and no response especially about two months for investigation in status of my conditional offer. This is discriminatory and against the law in respects of the " Fair Chance Act '' law. After submitting what was requested no response till this day has been done.

Company response to consumer: Untimely response
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Around XXXX XXXX, 2015, I received a copy of my credit report from " Experian. '' I noticed that a false entry from a " XXXX XXXX '' debt collectors for the amount of $ XXXX on behalf of " XXXX '' was unlawfully entered onto my " Experian '' credit file. When I called up " Experian, '' I told them that I have had " XXXX '' for the last 17 years as my T.V. viewing and NEVER " XXXX. '' They at " Experian '' still refused to remove this false credit entry off of my " Experian '' credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief