milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2017 about Debt collection (I do not know) with TOWER LOAN OF MISSISSIPPI, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than 1000 , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from Tower Loan XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX MS tell # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXXI despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX , my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Many fraud charges appeared on the card.
Card company ( Capital One ) removed all of them.
But a month later card company added one back and said in a letter, " I 've found no indication of fraud. '' Three phone calls and one live chat later, they refuse to remove the charge that is fraudulent.
They advertise heavily on TV 100 % fraud protection, but they are violating both their own advertising and the law.
The charge :   XXXX   XXXX    XXXX  #  XXXX  Transaction DateSunday,  XXXX / XXXX /2017 Posted DateWednesday,  XXXX / XXXX /2017 DetailsMovies Appears on your statement as :   XXXX   XXXX   XXXX    #   XXXX    XXXX  FL   XXXX   US

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of 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 01-04-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Apelles, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Repeated attempts to cancel an XXXX XXXX account were ignored. They continued to bill even though they were notified that the account was not wanted and that their equipment was not operational at all for months and perhaps years prior. I completed XXXX 's request to receive the account holder 's death certificate in order to complete the cancellation of the account as well as receive the refund they stated they would send for amounts paid since the death of the account holder. But XXXX still sent the account to collections. So this complaint is to XXXX XXXX XXXX as well as the collection company that accepted the account for collection as the so-called debt does not exist and in fact an amount is owed to the account holder 's estate. XXXX needs to allow accounts to be cancelled when it is requested to be cancelled and not continue to bill for services it is not providing. The CFPB must step in in this instance to cease this behavior as I 'm sure this is not the only instance of them continuing to bill for services that are not being provided and continuing to bill after they have received a request ( in this instance many requests ) to cancel the service. Otherwise, consumers will continue to be harassed with being billed for services not received and not wanted which of course is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have continuously tried to leverage with Equifax. Equifax advised me that they are only reporting what XXXX is reporting and they had no desire to hear me out as a consumer and continues to report this information on a regular basis. I have contacted XXXX directly on XXXX/XXXX/15 and have had no response thereafter. How is it that Equifax can verify the data but I ca n't get in contact with anyone regarding the matter. I have also sent verification reflecting the inaccuracies in the amount due and the date of payment which would reflect the account was laid prior to collections. I want this information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX was bought out by Captal One Bank They are saying they have no records of these CD 's and assumed we cashed them out or do n't remember bc of my age or not remembering my own name. 1st CD deposit # XXXX principal amount {$1100.00} issue date XX/XX/XXXX apr 5.88 % maturity date XX/XX/XXXX term 18 months and then renews itself 2nd CD XXXX {$1000.00} issue date XX/XX/XXXX maturityXX/XX/XXXX term 36 months 5.6 % interest rate frequency rate monthly 3rd CD XXXX {$5400.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 18 months 4.75 % interest rate frequency monthly 4th CD XXXX {$3000.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 36 months 5.45 % interest rate frequency monthly FDIC has no record of any of them even being recorded pathetic that they should at least owe me what I invested but they do n't even show I made the transaction in the first place but I have all the documents!!! Do I need to get a lawyer for something I should n't have to?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (NC).
Issue: Managing the loan or lease

Complaint: MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2017 and XX/XX/2017 I request that derogatory items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I also had requested the names, addresses and telephone numbers of individuals contacted during the investigation. The investigation took too long. and more than 30 days, etc. In addition I did not get proper notice of investigation status or results. As of this moment, Equifax have not done your duty mandated under the law. Equifax inaction in this matter is inexcusable, and your disregard for the law is contemptible. Equifax had 30 days to complete the re-investigation, yet you have failed to respond. On XX/XX/2017 Equifax failed to response within 15 days deadline. Attached copies of online dispute submittal Confirmation # XXXX, which have been delivered online both a dispute letter, dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX continues to call my cell. I have told them they have the wrong person and they continue to call me.

Company response to consumer: Closed
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i am making a complaint about a late payment / delinquency reporting on my credit report, on all the XXXX credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank 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 11/30/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies. 
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ). 
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ). 
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted. 
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ). 
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''. 
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain. 
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years. 
Regards, XXXX XXXXXXXXXXXX

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

Complaint: ARS continues to report on my credit file for two amounts of {$670.00} and I have requested validation of the debt being mine and they only send a letter with dates and amounts and this letter does not prove how the debt is mine. Since they ca n't they continue to play hop skip with submitting to the credit bureaus after numerous deletions. On my other XXXX bureaus.

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