milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Not only does capital one show me as having my credit card for 13 months and I had it for half the amount of time, it shows late payments when I was placed on auto pay. I made a bulk payment as I often did and it was held and not applied. I contact several agents. This issue was never resolved. My money was held and account was closed. I received several adjustments for the mishap however was told they were unable to remove the late charges and I would have to contact the credit Bureau in efforts to have this late payment removed..I request to be removed from autopay and was still being drafted monthly on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by Freedom debt relief and they have not proven that I was served for the lawsuit they brought against me concerning webank. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and Midland funding still reports on my credit bureaus. XXXX account was with webank and another with XXXX both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. Midland funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is being used for a judgement that dose not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Other transaction issues

Complaint: I have an account with Paypal Credit which is based in XXXX MD. I made XXXX payment to paypal credit on XXXX XXXX, 2016 in the amount of {$120.00}, which showed up on my bank statement on XXXX XXXX, 2016. Also, what showed up on my bank account was an unauthorized internet payment of {$110.00}. I did not approve of that payment I did not make that payment. I called the company and they said they have to investigate the charge and they do not know how long it will take. In the meantime, because of this transaction, it has overdrawn my checking account, in which I was charged an overdraft fee of {$72.00} and I will be charged each day it is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Documents on file. Complaint number XXXX I am responding to Chrysler Capital latest correspondence. I tried to file a complaint with the FTC and the system kept referring me CFPB I need your protection. There must be something more this agency can do other than simply say thank you for informing us. Chrysler Capital is clearly willfully causing me Financial and emotional harm. There is documented history with Chrysler Capital, Chrysler Group LLC and XXXX. Please forward my case to a Concessional office or XXXX office. My daughter and myself need your protection. Help me teach her truth and doing what is wright matters. This is like a game to Chrysler Capital. It is causing my Mental handicap to shut me down and spin out of control. I ca n't take care of my simple day to day needs .... I realize Chrysler Capital is simply a debt collector for XXXX and Chrysler Group LLC and they have distance them selves from Chrysler Capital, But legally or morally they should be held accountable. After all we did loan them Hundreds of Millions of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a phone contract with XXXX years ago. When I paid my final bill, I continue to get bills. I paid the last bill that was supposed to be my final bill. Then I received notifications from a collection agency that I owed more money then after paying them about 6 months ago it 's being reported on my credit report when I was told it would not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (OH).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of the Transunion inquiry issue and their customer service would not help and take care of the negative inquiries reporting to my credit report. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquires be removed due to Transunion 's negligence. 

Thank you XXXX XXXX

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 03/19/2018 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: Information belongs to someone else

Complaint: Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Dear CFPB Office of the Ombudsman : My student loan servicer NELNET who services federal student loans to the credit agencies XXXX, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by Nelnet where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidation XX/XX/XXXX Incorrect address reported ( XX/XX/XXXX ) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher NELNET and the credit bureaus XXXX, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by Nelnet, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at Nelnet said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer NELNET and audit of the credit reporting history from Nelnet. I have scanned copies of the credit report from XXXX to show the reported timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hi, Thank you for your time reading my complain, I am currently working part time ; around {$600.00} a month. I had a Student Loan from Discover Bank. They are asking to for a monthly payment around {$200.00}. After we agreed to pay partial payment, they reported me to the credit company as late payer. However, they told me as long as I pay partial amount of money, they wo n't report me. And I paid $ XXXX monthly for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.

Company public response: Company disputes the facts presented in the complaint
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. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A request for validation made pursuant to 15USC 1692g Sec. 809 ( b )  of the FDCPA was sent to the credit bureaus XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Due to government cut backs, I lost my job with the XXXX XXXX XXXX in XX/XX/XXXX. I received a severance package. I moved to find a better job and started looking for a job immediately. With my severance, I was able to pay on my private student loans for several months but when I saw I was running out of money, I had to save money for rent, electric, water, and groceries which I consider the BARE NECESSITIES. I got behind on my loans but in XX/XX/XXXX I found work. I have been paying more than the minimum amount to try to catch up. For the last 4 months, every month, I have paid. But Navient calls multiple times a day. I can make a payment today and they will still call me. In the beginning I spoke to them and explained, I just started a new job, I have been paying more than the minimum to catch up, however this amount is all I can afford to pay each month. This should be documented in their notes, this should be known, still they persist. My situation today has not changed since yesterday, since last month, since as far back as XX/XX/XXXX when I started this job. I have an alotted amount of money I can use for student loans. PERIOD. I have spoken to a lawyer about my loans in which possibility of settling was discussed. I can not however come up with X amount of thousands of dollars to settle at this time. Now I am researching better business practices to see suing for harassment is possible. Consider this a formal complaint on the company. I have screen shots of my phone which shows how many times they have called me since XX/XX/XXXXXXXX and how many voicemails I am left. I 'm to the point my voicemail box is almost full and had to make a complaint so I can give over whatever records are necessary so I can continue to receive their hounding phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to get rid off the PMI on my home loan. My property value has been increased and I am thinking of reevaluating the property price and drop the PMI. But my lender now says I should have paid XXXX for at least 2 years before I can take this route. Is this true? I am going through some website and none of them says this 2 year rule.

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 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian refuses to investigate disputes on ALL tradelines in my credit report with them. A prior investigation was completed, but was not to my satisfaction. I requested re-investigation and to provide the manner in which investigation was done, as well as the information received that was used to verify. Neither request was honored. I have proof and documentation that the information being reported is incorrect, but I refuse to furnish it to a credit reporting agency to used against me. In addition, they refuse to provide me with any additional access to my credit report, even after adverse action less than 30 days prior. This is all in direct violation of many FCRA, Texas Finance Code, and Texas Business and Commerce Code statutes. An attorney on retainer has been given all documentation and correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Mortgage) with PNC Bank N.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Credit card debt) with SUNRISE CREDIT SERVICES, INC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There have been repeated calls and at all different hours over the course of the past year or so.I have communicated to the company on several occasions that I will contact them when I am financially able to settle the debt.

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