milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Payday loan) with Premier Recovery Group (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.

Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with FIDELIS RECOVERY MANAGEMENT, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My Credit Card was involved in a balance transfer check fraud transaction, where the fraudster got ahold of the balance transfer check and made multiple transactions using my account. I notified the bank of it and they were able to take off the balance transfer charges and most of the associated fees. One of the balance transfer fees was not reversed and I called the Security Investigator and general customer service rep multiple times in regards the balance transfer fee still being on my credit card. So far, they have not removed it.

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 08/21/2017 about Checking or savings account (Other banking product or service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX a payment was made, {$1500.00} to my child school via Bill Pay with XXXX. On XX/XX/XXXX I was made aware by my child 's school that Regions had called them. A regions customer had received my check from XXXX XXXX and Regions had allowed that customer to deposit it into their account. Regions said that they could not get that customer to reimburse the amount to me and I would have to take the matter up with my bank ( XXXX XXXX ). on XX/XX/XXXX I called XXXX XXXX and filed a Bill Pay inquiry to have them resolve the problem and sent the amount to the correct company. On XX/XX/XXXX I received notification that XXXX XXXX would not be doing anything else to resolve the issue. They said that Bill Pay was sent to my childs school and that 's all they could do. As of now, XX/XX/XXXX my child is now past due on her account and I have not received the money due back to me from Regions from their customer. I am taking this as a fraud case since someone else was able to deposit monies, not meant for them, into their personal account.

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 01-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Nationstar did not cancel my PMI on my loan based on the Homeowners Protection Act of XXXX. I made attempts via phone calls as well as online to obtain an answer on why it was n't cancelled only to be given different information each time. According to the HPA law as well as my Private Mortgage Insurance Disclosure statement my PMI termination date is XXXX/XXXX/XXXX. However my monthly payment still reflects PMI owed for the XXXX XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with GLA Collection Company, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being harassed by GLA Collections. appearently they bought a medical debt from a local hospital near my home. they are harassing me about this. I am on military XXXX  insurance and it seems the hospital mis-handled filing the paperwork correctly, and was unable to collect on the debt fully from XXXX. GLA collections bought the debt from the hospital and isillegally harassing me to collect on it. the hospital had previously wrote it off on their taxes, I feel I owe nothing to GLA, but they continue to harass me over it. GLA collections is known as a predatory collections company that uses threats and intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax will not allow me to access my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.

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 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Ocwen continues to report XXXX different mortgages loans on credit report. I only have XXXX mortgage loan not XXXX. The same loan is reported 4 times all with different balances owed. This is causing my debt ratio to be high and making my credit score go down.Also the balance owed on all of my credit reporting agencies have the wrong balances the balance is only approx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX  of last yea r (   XXXX  ) I noticed a collection on my account  for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of  XXXX  of this year (  XXXX   ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 06-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient despite saying they would put a hold on calls, are still calling my co-signers nonstop. 
They are also misrepresenting my loans. I am paying later in the month but they are paid before the payment is due for the next month. They are saying they are two months late when that is n't true. 
Harassing distressed borrowers is not helpful or ethical. 
I think they are harrassing them because I am defaulted on loans without cosigners. I have no hope so at least they could not verbally harass my cosigners and they should not lie.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Trouble during payment process

Complaint: I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone. 

My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}. 

I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed. 

I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.

I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
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 contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was unemployed for roughly 18 months ( XXXX XXXX - XXXX ) and was told my only options were forbearance or default. Deferment was never mentioned or offered.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I received an unauthorized " Hard Inquiry '' on my credit report from a company called XXXX, who was affiliated with XXXX. 

We had been in the process of looking for a merchant services account, and came across them through a link on XXXX. 

I was originally told by a person at XXXX it was a soft inquiry, and got virtually almost no information past that from the sales person, stating it was no big deal. 

I was irritated to see it and tried to submit a complaint and dispute to transunion. 
Not only was I unable to upload a proper document to submit a dispute online, I was told by a phone representative that if I wanted to dispute it, I'd have to obtain a letter from the offending party at XXXX stating that they did it. 

When I told them that that is ridiculous, and that they are asking me as the victim of misuse of my credit information, to ask my perpetrator to tell on themselves as the only way to remove this from my report. 

They stated yes. 

I told them that was absolutely ridiculous and empowering misuse of peoples credit information, leaving the victim no way to remove misuse of their information on their report. They stated it was the only way they would do it, and I told them that's a violation of my credit reporting rights. 

That's like asking a XXXX victims XXXX to self confess to XXXX, as the only way the XXXX can be convicted. I think we'd all agree there is a serious flaw there, and that transunion is in violation of my credit rights it attempting to maintain this policy. 

I want the hard inquiry removed, and for transunion to be fined heavily for violation of my credit rights. 

I have already been a victim of both tax fraud, and identity theft, and find this to be absolutely infuriating and very upsetting. 

If I did not give someone authorization to do a hard inquiry on my report, I have every right to have them remove it. 

In a day where we are seeing data breaches at credit agencies, and large companies like XXXX, to behave in this manner toward a victim of credit information misuse is sickening, and I expect action taken against Transunion. 

Please help me in this matter.

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