milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit determination

Complaint: I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get my loan modified with Select Portfolio Servicing. It has been going on for over 3 years. I have XXXX feet thick of repetitive documents being submitted and it is never right and ever enough to them. They are auctioning my home off on Friday and I am scared. I am XXXX and this is my retirement home and my investment. They have broken into my home, they have taken locks off and walked off and left the property unsecured for vermin and vandals. When I approach them they do n't respond except with a double speak response and never resolve or correct. Please help me here so I am will not lose my home on XX/XX/XXXX. they call and I pick up and no one is there. I understand they are preditors. Help me please. they send info to tenants and scare them away so they do n't pay rent. I have put {$100000.00} into the house so far. My phone is XXXX the auction is on XX/XX/XXXX. HELP!! I have also lost substantial reveinue for threats and personal information sent to tenants. 12 months of lost revenue so far at XXXX a month. This would well pay for the adjusted mortgage that I am entitled to. Again, Help. Please e-mail if phone access is not available. Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This credit derogatory mark is not mine

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 07/30/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated

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

Complaint: > Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site 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. 

> They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am submitting my complaint directly to CFPB because through experience, your agency gets answers that seem elusive when mailing certified letters to the credit reporting agencies. In other words CFPB works more efficiently and decisively. 
Transunion has placed a number of credit inquiries on my report that were not authorized. 
1. I purchased a vehicle and only bought from one dealership without searching around. No other entity should have checked my credit report. 
2. Transunion lists the following inquiries which were not authorized : XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 The above mentioned companies were not authorized to check my credit.

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 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. 

I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE

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 04/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

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 09-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, We have had several aggressive lenders coming after our family over our past debt. They call me or call my family members asking for me. When we answer the phone, they start yelling, saying that " They are n't playing any games '', or say that they have pending lawsuits in my name and try and get my personal information from my relatives. They have sent letters to my home trying to bait me into making payments by offering discounts and payment plans. All of my major debt is over eight years old. The statute of limitations in my state, California, is four years. My credit report still shows my old debts and I am unable to move forward. I do n't know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. 
This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: In XXXX I purchased a new home. It was a foreclosure that needed a ton of repairs as it had been vacant for almost a year before. I went to Home Depot to try and obtain a " XXXX XXXX '' to hopefully be able to afford the things I needed. Unfortunately they did not approve the loan but a member of their prodesk said that they could sign me up for a credit card that had a high enough limit to purchase the things that I needed. We walked to the front and went over the pertinent info : name, work info, social, etc. They approved me for a {$5000.00} credit card, so i purchased a full kitchen suite and flooring for the new house, maxing out the card immediately. A month goes by and I returned some products so I went to check the balance of the card to make sure they cleared and made a small payment. A few days later I received a call from someone from Home Depots credit card service asking about unpaid invoices. Not sure what they meant, I asked what the invoices were about and they named the items that I had purchased. I told them I had made a payment online a few days prior which they confirmed, but then they informed me that the card I had signed up for a was a " paid in full account. '' Something that had never at any point been disclosed to me. Had it been disclosed, I never would have spent all that money. I have made every effort to work with the XXXX to have this line converted to a revolving line of credit however they were unable to approve the change without opening a new line of credit, then transferring this amount to the new card. However, when they tried to do that, I was ineligible DUE TO THE BALANCE ON THE EXISTING CARD. I 'm not sure what to do now. they have been reporting to credit bureaus monthly for the last few months as late payments because the entire balance of the card has not been paid. My credit score has fallen nearly XXXX in that time to XXXX and the entire {$5000.00} amount will be sent to collections after 120 days. I attempted to work out a home equity loan with my bank to try and pay off the debt with that, however was unable to because of my credit score and the length of time since my last credit line was opened. So in essence, I am unable to access the equity in my old townhouse ( ~ $ XXXX ), which would only be used to consolidate existing debt due to my newly lowered score and my newly existing debt. I do n't know where to go from here. I 've tried to work with the store and the credit company and neither XXXX is capable or willing to help. All I want to do is make payments on the card that I was not fully informed of the terms for. I never would have signed up for the card had I known it would have turned into all this. I 've always been a Home Depot shopper, but they are on the verge of losing a customer for life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Kohl 's is saying I submitted the same payment three times. Yesterday when I checked my Kohl 's Charge Account, there was ONE pending payment of {$27.00}. I then submitted a second payment of the rest of the balance because it only showed I had ONE pending payment of {$27.00}. Now they took that amount out of my account THREE times and refuse to give it back to me until all the payments are processed and I have basically " overpaid '' them. Now, I can not even get into my account because the website is saying " The site you are trying to access is currently unavailable.

We're sorry for any inconvenience this may cause. '' I find it very unethical the way they accept payments! If they are going to tell me I submitted a payment three times, then it should show accurately in the payment screen so customers don't get manipulated into paying more than they need to, or they simply take out more money than you authorize which is so illegal. I have tried contacting them twice. The first time I talked to a supervisor and apologized for the system glitch and they would send me a check as soon as everything posted. The next representatives were VERY unprofessional and putting all the blame on me saying that they see three payments and they don't understand what I'm saying. I told them all I only submitted the payment ONCE and they are saying I didn't if it's showing three times!! I keep a spreadsheet of my budget for 6 months at a time to keep track of my bills and I am very responsible at paying them on time and knowing how much to pay. So not even your call centers are telling me the same information..one says system error and the other fully blames me. Excellent customer service ....

The girl on the last phone call assured me that she only sees one pending payment of the remainder of my bill. I will be filing a police report if that charge comes out three times too!

I can not believe Kohls is doing this to its customers! I'll find somewhere else to shop and cancel my account after this is all figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.

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