milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax fail to block the fraudulent items per the FTC 605 B. 
I have requested in writing that they remove the Accounts and Inquiries from my credit file and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a payment on X/X/17 in the amount of {$2200.00}. When I checked my account on the following business day I had noticed that the payment was still not posted to my account. I immediately contacted customer service for capital one. When I spoke to the representative they informed me that there will be a 5 day hold on this account because of the amount of payment has never been made from this account before. I asked them what does the amount of me paying my balance have to do with them placing a hold on my account. The represenative told me this was there policy. Then on X/X/17 I contacted capital one again because I noticed the money had been debited from checking account with my bank. I inquired why they had taken the money and still not updated my available credit line. The represenative once again told me that this is there policy and this would have to be verified through the bank. I asked them why they would debit my checking account and not make my credit line available. The represenative informed me that this would take 5 days to resolve and could not offer any other solutions. I feel there business practice is unfair and really should not treat good customers in this fashion. I was attempting to decrease my account balance and this is the treatment I received after being a loyal customer for the past 5 yrs. The  represenative was very eager to close my account and continued to ask me over and over again did I want to close the account. The represenative name was ( XXXX ). I told her that I really want to close this account but I am fully aware that closing a credit card decreases your credit rating. I would like to see my credit line available to me and never have to be treated and such a disrespectful fashion. The represenative even insinuated that this may be fraud and questioned if I was the actual account owner of the checking account. This was very insulting and humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (I do not know) with United Student Aid (USA) Funds (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX

Company response to consumer: Closed
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with PLATINUM HOME MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) 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 non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage account with Wells Fargo. Any payments I make early are not applied to the principal until the first of the month. The payments are marked " unapplied '' and I do not receive any interest credit, as well. Rest assured, they are making interest income on my money. I have had XXXX mortgage accounts with them and it was the same as this is their policy. 
This seems like theft to me and I think it may be illegal, certainly unfair.

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 05/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my XXXX score and this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with ONLINE Information Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I do not have any business with this company. My research of the phone number the second call came from indicates this maybe a scam. 
I received the first call on : XXXX/XXXX/XXXX. It was a robo call. In the message, the name of the person asked for was not clear however, sounded nothing like my name. The number this call came from was " spoofed '' in that it came up on my caller ID as " Private Caller ''. No other information was given in this message. 

I received a second robo call at XXXX XXXX on Wednesday, XXXX/XXXX/XXXX. This time the message requested the same person. Again, the name referenced was not clear and also not me. The phone number the call came from was : XXXX. The company name given was : On Line Information Services,  a debt collection services company. The message went on to reference an account # : XXXX and call back number of : XXXX. 
Once again, I do not have any legitimate business with this company nor do I know why I 'm being contacted repeatedly for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i took out a home equity line in XXXX and paid off some credit cards, now after ten years, a debt collection attorney has put a lien on my property of over XXXX {$8000.00} and when I asked for proof that my payment in XXXX was applied to my debt, they refuse to provide me with the proof!! they sent me useless statement of charges, interest, from XXXX tpo XXXX which does not help me in the least. I assert that this outstanding balance for which the debt collector has placed a lien on my home was paid in full over ten years ago! 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 04/18/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is 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 08/26/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website, so there is definite value here. ) Yesterday, I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report, reviewed it, and found nothing to warrant the rejection. My credit score, which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly, it looks like the Citibank rejection was just a ruse, and I believe they acted in bad faith by placing the rejection based on information in a credit report which clearly does not support their claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Check cashing service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Fraud or scam

Complaint: This complaint is about Navy Federal Credit Union XXXX Check No. XXXX dated XXXX XXXX XXXX in the amount of US {$85.00} payable to the payee appearing on the face of the check. 

The amount was debited by the bank ( Navy Federal ) from my account with them as of XXXX XXXX XXXX despite the check issued never have been gotten hold by the payee much less endorsed by nor being deposited in her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?

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 06/13/2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NJ).
Issue: Trouble during payment process

Complaint: D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account paid in for XXXX 2015 this has been left open with no XXXX credit limit. Account was paid in full and closed 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.

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 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX account charged off in XXXX, in luieu of checking my credit report in XXXX XXXX I wrote each bureau to remove account because of statue which has been over 7 years, In turn XXXX and XXXX deleted it and blocked XXXX XXXX XXXX from being able to re enter information..But Transunion allowed the bank to create a different account number and put fradulant activity on the account as if it had been charged off in XXXX.I filed complaint with XXXX Then Transunion deleted the account then reinserted it, Transunion reinserted and delted the account several times, I spoke with a rep at transunion that said everytime they deleted it they allow the Bank to come right back and update it or re enter.I am still fighting this I wrote Transunion several letters and ask that when they delete XXXX XXXX XXXX block them from my credit reports just as XXXX and XXXX did.Transuinion has violted the FDCA a charge off account can not be updated or reaged after 7 years..Transunion has deleted XXXX XXXX XXXX several times and reinserted because they allowes the Bank to do this what kind of sense does this make..I am humilated, my name and character has been defamed by Transunion and my rights of been violated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with ERC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation