milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Advertising and marketing

Complaint: 10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I and my spouse filed for chapter  XXXX  bankruptcy in  XXXX . 2017. We were aware that my student loans would not be eligible for discharge, but also that all collections attempts would face an automatic stay until the case was discharged.
At the time of filing, Wells Fargo held a private student loan for me, in good standing for 7 years. I received notice from them they that would cease all communications and stop automatic payments ( which I relied on to pay my loan installments ) after we filed.
We received a letter from Wells Fargo dated  XXXX / XXXX /2017 stating that our account, previously in good standing before filing, was in default. A Wells Fargo representative stated that it was still our responsibility to pay during bankruptcy proceedings, even though the company " could not appear to undertake any collections efforts. '' Clearly they were still attempting to collect.
The account did not show as past due on my credit report until after discharge. Wells Fargo took significant steps to make it difficult for me to pay at all, including locking access to my account online, revoking automatic payments, and ceasing to send statements.
They were able to send a default letter immediately after discharge because of an " automatic default '' clause buried in my promissory note, which I was unaware of, and my bankruptcy attorney did not inquire about. Meanwhile they have reported my account to the bureaus as " charged off '' without any attempt to contact me about supposed late status.
Clearly Wells Fargo is using this tactic to put pressure on filers to pay, and I believe they are violating bankruptcy law in demanding payment to have occurred before discharge.

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 07-08-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We purchased a car from XXXX of XXXX and financed it through Bank of America. After 45 days we had not received any info on the loan. We called Bank of America and discovered they were sending all our info to our old address that we have not been in for over 2 years and is in a different state. When we told them, they said it was our fault for giving the wrong address, which we did not. Then they blamed XXXX of XXXX. After calling XXXX of XXXX we confirmed that our loan application never listed our previous address. This is Bank of America not taking responsibility for their mistake. Their resolution was to send all the info to the right address but they would not extend our due date. They would not overnight it or email it so I could take care of it quicker. Then at the end of the call when she was going to give me the confirmation #, we were disconnected and she did not call back.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bull City Financial Solutions, Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Members of my family and I have been receiving numerous threatening messages from a  Law Office  in regards to a claim or debt that according to them I owe.   XXXX   XXXX   continues to call numerous times and leave messages with the name of my mother or sister and myself.  XXXX  and others have called family members in other states as well as my immediate family and discussed random monetary amounts that according to them I owe. My consumer protection rights under the FDCPA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been sent a letter in regard to a debt collection for a debt that I did not incur. The original debtor has not validated the debt and was over a time period I was not employed by the original debtor. The dates were provided and proof of other employment during this time. The dues were billed when I was employed by another organization.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with I.C. System, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company identifying itself as ICS continues to call my cell number 3-5 times daily. The company representative hung up on me on XXXX XXXX,2017 at XXXX XXXX EST when I asked why do I continue to receive repeated calls. I verified my name and the number that they continue to call and because I would not verify my address the representative hung up. I called back and requested no further calls be made to my cell. The number the calls are coming from is XXXX a South Dakota number.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help

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 06/13/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and convergent agreed to remove, Transunion and XXXX are refusing my dispute to have it removed. XXXX has removed but Transunion and XXXX have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past 6months to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.

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 01/26/2018 about Mortgage (FHA mortgage) with MIDFIRST BANK (VA).
Issue: Struggling to pay mortgage

Complaint: I was unemployed due to business closure for 18 months and got behind on my loan. I am currently employed and have tried to get a loan modification that will help me pay my current plus the arrears but I have been denied by XXXX XXXX. I want to keep my home and I am working three jobs just to get extra income to pay my mortgage and arrears, but XXXX XXXX  has refused to help me with a viable plan. They appear eager to foreclose my home and have stopped taking payments from me which has caused me to get further behind. I want to keep my home and make my payments as I did prior to my job loss. Any assistance you can provide will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Credit decision / Underwriting

Complaint: My current mortgage loan servicer, Nationstar Mortgage, illegally and/or erroneously reported to the national credit bureaus in XXXX XXXX that my current mortgage is {$34000.00} past due. This amount they reported includes {$32000.00} of deferred principal that is not due/payable until the loan matures in XXXX/XXXX/XXXX. This deferred principal of {$32000.00} was granted in my mortgage loan modification with XXXX XXXX effective XXXX XXXX, XXXX. This fact of {$32000.00} deferred principal, which is not currently due or past due, is stated in the attached HAMA Loan Modification Agreement under item XXXX on page XXXX XXXX. This illegal reporting caused my current credit union provider, XXXX XXXX XXXX, to deny my application for a {$25000.00} car loan in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not protect my information and I was notified I was part of the information leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a {$250.00} debt collection and never opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Rewards

Complaint: I have Reward Point with my ATT Universal Card which is now owned by Citi. 

I have tried to retrieve my rewards and the website will not allow me to.

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 03/16/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Managing the loan or lease

Complaint: I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I charged XXXX dollars on my credit card for a procedure the merchant in return charged my card XXXX I disputed the XXXX and capitalone have me a tempery credit made me fill out paperwork and send in my receipt which I did for the XXXX charge now they said the merchant repliled and sent them a receipt with is not even my signature for a charge of XXXX and they ca n't do anything else because I do n't have a cash receipt for the XXXX I paid in cash I sent them a letter in from my grandmother who paid the {$3000.00} cash on the day of the procedure along with my {$500.00} receipt for the charge and they told me they need proof that the XXXX was paid in cash from the merchant if the merchant was trying to rob me which it seems like he is then why would he give me a receipt for the XXXX cash I was rushed in the XXXX under XXXX and could not even think when I woke up this is crazy my XXXX year old grandmother handed XXXX in the off cash the day of the procedure for me I do n't know why capitalone is worried about the cash part when I sent them my proof and receipt for {$500.00} authorizing only XXXX and when they said they had a signed receipt from me from the merchant for XXXX I said the signature was fraud they said they ca n't mark it as fraud because I gave them my card this is insane I 'm not paying {$7000.00} for a XXXX dollar procedure I will sue capitalone and XXXX there not helping me obviously the merchant is trying to rob me

Company response to consumer: Closed with explanation