milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with Focus Holding Company (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Struggling to pay mortgage

Complaint: Re : Account # XXXX payment history reported to all three major credit reporting agencies, which is encircled on the attached copy of XXXX   report. 
Based on my records, the 180-days past due occurrences reported as of XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at Pennymacs recommendation during the process of setting up a trial loan modification and extension, as I was advised the payments must be delinquent and the loan in Default in order to qualify for the program and any missed payments would be added to the end of the loan. Pennymac then repeatedly lost the modification application paperwork submitted by us, requesting us to resubmit everything multiple times. We now know these activities were in direct violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Once regular payments for this modified loan commenced in XX/XX/XXXX, I established a very strong record of punctuality through all 16 months of payments since. Payment s during the setup of the modification program should not be reported as past due, as they really were not even due. Furthermore, this loan was not opened with Pennymac in XX/XX/XXXX as reported to the agencies, but in fact did not start inprocessing until XX/XX/XXXX. Any payments after that date were held up at Pennymacs behest and were through no fault of my own ; therefore, these past due payment items reported to all three major credit reporting agencies must be removed immediately. Also, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Pennymac has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine, and require more information of me instead ( examples attached ). To  properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Pennymac has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o,  subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Complain against Nation star mortgage. 
They are cruel and do not coopeate, I can pay, but they prefer to forclose the house, because I have equity in the house. So they do not accept my modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with Midwest Recovery Systems (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I pulled up my credit file on Transunion on XXXX XXXX and all of my inquires was deleted.. When I looked at my credit report on XXXX XXXX, 2016 all of my inquires was back on my credit report without my knowledge. When I called Transunion on XXXX XXXX, 2016 they told me that I was not affected by the glitch. I explained to XXXX XXXX that I was affected by the glitch and I have my credit report showing that I had XXXX inquires on my report and they showed back up. I asked to speak with a supervisor he put me on hold several time then came back upset and told me that he could not help me and that he was going to terminate the call. I then told him " My next complaint will be with FTC for FCRA violation for inaccurate reporting on credit history '' he told me to do what I needed to do then hung-up the phone on 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 non-monetary relief
Consumer complaint received 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian refuses to discuss this issue with me. 
I have been unable to access or correct my credit report with Experian for more than two years. I recently received a notice of credit denied due to Experian, and I would like to correct errors on my report.

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 06-04-2016 about Credit card () with Colony Brands, Inc. (VA).
Issue: Billing disputes

Complaint: Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is 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 09/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX 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 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans-union had a glitch during XX/XX/2017-XX/XX/2017, in where all my XXXX inquires were removed, and re added, of which my score took a dump, trans-union will not admit the glitch, but I have screen shots from the glitch, they did not notify me of the glitch of which by law they had 5 days to notify me. So for failure to notify me by law I want all inquires removed from my credit report. I am un-able to upload have no scanner but can fax if you answer me with a fax #, and a name to send it to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2016, XX/XX/2016, and XX/XX/2016 I filed disputes with Capital One Bank. 
This is the dispute I sent to Capital One Bank. " First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One Bank never responded to my dispute or honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with DISCOVER BANK (TX).
Issue: Deposits and withdrawals

Complaint: Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had several deferred loan modifications with Well Fargo Mortgage. Between the years of XX/XX/XXXX and XX/XX/XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XX/XX/XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to Wells Fargo. I knew there was a law suite with Wells Fargo but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 10/15/2015 about Debt collection (Credit card) with RGS Financial, Inc. (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: SLS has repeatedly miss-applied funds that were to be applied against the principal. The result is a falsely inflated balance that SLS uses to calculate the amount of interest owed. SLS is charging more interest than allowed by the original loan documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Capital one account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact  Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

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